GVA Holdings, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90003	Web	Servicemember
Frauding scams using XXXX XXXX XXXX XXXX XXXX XXXX Indiana of my documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX my birth certificate of XXXX county Indiana of XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX county Indiana of XX/XX/XXXX Frauding scams using the rest of my documents of XXXX and XXXX of XXXX county Indiana Frauding scams frauding XXXX XXXX XXXX of XXXX county Indiana Frauding scams frauding my birth record long form of XXXX XXXX and XXXX XXXX of my serial numbered documents of XXXX county Indiana Frauding scams frauding my brother documents of XXXX XXXX XXXX XXXX XXXX Indiana frauding XXXX XXXX XXXX who at birth was XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Indiana of XX/XX/XXXX Frauding scams frauding XXXX XXXX sister documents of XXXX XXXX XXXX married to XXXX XXXX of North Carolina and XXXX XXXX from XXXX county Indiana Frauding scams frauding my XXXX mom 's documents of XXXX XXXX XXXX XXXX XXXX XXXX Frauding scams frauding using XXXX Frauding scams using using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frauding scams using XXXX XXXX documents of he was a XXXX XXXX retiree My grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana was a public storage retiree Frauding scams using XXXX XXXX XXXX XXXX record of XXXX county Indiana of XXXX XXXX XXXX XXXX of XXXX county Indiana corners record and prior XXXX county Indiana home deed. Frauding scams using XXXX XXXX biological daughter of XXXX XXXX XXXX XXXX of XXXX county Indiana Frauding scams frauding my documents using my great great grandparents documents of corners record using XXXX XXXX married to XXXX XXXX of sir name XXXX all XXXX record 's Frauding scams using her parents of my great great grandma documents of XXXX XXXX married to XXXX XXXX all serial numbered corners records and death record 's Frauding employee scams frauding my documents Frauding scams in 6 large insurance company using my documents Frauding scams using apartment building and racing and business permits Frauding scams using construction company business permits scams frauding fraud using construction companies Frauding scams using chruch groups and pasters and pasters and preachers Frauding scams using semi trucks companies and CDLs driver 's frauding my documents Frauding scams using using herds of commodity broker using my documents off of two federal FBI registrations under XXXX XXXX XXXX and and XXXX XXXX XXXX herds listed me and my who documents stack and fraud sec.gov business permits scams Frauding scams using 50 states groceries stores XXXX XXXX products and Brand advertising or Brand marketing, frauding scams using 50 states diner menu 's and assorted restaurant menu 's frauding scams using XXXX XXXX Frauding scams using schools and colleges and universities and herds of students frauding my documents Fraud scams using herds of XXXX page and XXXX Frauding scams using phone 's Frauding scams using singers and bands and actors and magizines Frauding scams using banking business permits and products and workers Frauding scams using furiture stores and furniture products frauding my documents Frauding scams using others races Frauding scams using using shopping malls and business permits Frauding scams using using department stores frauding my documents Frauding scams using my documents as others towns Frauding scams using my documents as farm advertising for brand talk Frauding scams using lawyers and judges and attorneys and court building Frauding scams using XXXX and XXXX IDs Frauding scams using medical workers and dentists and business and medical building Frauding scams using reality agents and reality business Frauding scams using politican listings Frauding scams using IRS retailers workers Frauding scams using streets festivals Frauding scams using other families Frauding scams using clothing and home 's Frauding scams using subdivision sinage Frauding scams using apartment building Frauding scams frauding my documents as XXXX business permits and IDs Frauding scams using in XXXX as towns and business and IDs Federal block on 65 percent of the USA for date offers and not interested in families and there states area to marry into.. Frauding scams using streets and hwys sinage and towns advertising and factorys business..
03/28/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	SC 291XX	Web
I sent the following letter to the company ; I need the CFPB 's assistance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX To Whom It May Concern : After doing research regarding Internet Tribal payday loan laws in the State of South Carolina, I have found that your Internet payday loans are actually illegal. I have been in contact with South Carolina State Department of Financial Institutions and they have verified that your company is not licensed in South Carolina, therefore the loan contracts I have had with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX according to my state 's laws, are not enforceable. It has come to my attention that payday lenders must be licensed by the state of South Carolina in order to offer loans to its residents. Since your company has no license in my state, the loan contracts I have had with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX are not valid. I have conducted hours of research and have consulted with authorities. The practice of online payday seeking affiliations with XXXX XXXX tribes in an effort to take advantage of the tribes special legal status as sovereign nations is abhorrent. This rent-a-tribe model is under scrutiny. Courts are cracking down on tribal lenders. The Consumer Financial Protection Bureau recently sued four online payday lenders in federal court for allegedly deceiving consumers and collecting debt that was not legally owed in many states. The complaint alleges violations of the Truth in Lending Act and the U.S. Consumer Financial Protection Act. It seeks restitution of money that borrowers paid involving illegal loans, plus penalties and a halt to the practices. While the lenders will likely claim that their loans are governed only by tribal law, not federal ( or state ) law, a federal court rejected similar arguments last year in a case brought by the FTC against lending companies. Tribal lenders have been found and identified in the Public Justice Report to be regularly making loans with interest rates well above state and federal regulations sometimes up to 700 percent. I have researched XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX and there are volumes of complaints against this tribal entity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX , XXXX hides behind its tribal status to act in a predatory, harassing, and very nearly illegal manner. In my research, the repeated theme is the harassment, threats and predatory nature. Additionally, the extreme in fee charging which goes against the policies of many states. At this time I am requesting a return email acknowledging that my account is marked paid in full in good standing. I am also revoking authorization for ACH withdrawals. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. Please respond to this email with acknowledgment that my account has been satisfied in full. I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. I must also inform you that I will be filing complaints with the Consumer Financial Protection Bureau, XXXX XXXX XXXX, the Federal Trade Commission, and Montana and South Carolinas Attorney General 's Office. I expect a response from your company no later than 1 day from the above date regarding this matter. This response may only come via email. No telephone or postal mail contact is permitted. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX CC : Consumer Financial Protection Bureau Federal Trade Commission XXXX XXXX XXXX South Carolina State Attorney General Montana State Attorney General
10/05/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	PA 18042	Web
Email thread : XXXX XXXX XXXX XXXX XXXX ( 1 hour ago ) to customerservice Hi, I am having issues paying back my loan unfortunately but I also found out you do not give loans to people in PA, which I am and always been located. When contacting the Pennsylvania Department of Banking and Securities I was instructed that I am obligated, under pennsylvania law, to pay back the principle amount of the loan, but no more than 6 % simple interest if the lender is unlicensed in PA. They asked that I contact the Federal Consumer Financial Protection Bureau as they are taking complaints now on this subject but I have not done that yet. Please advise. Thank you XXXX wrote : XX/XX/2018 XXXX XXXX To You XXXX XXXX XXXX XXXX, MT XXXX XX/XX/18 Re : Violation of State Laws Dear XXXX XXXX, We are in receipt of your email regarding your account and your questions and concerns are addressed below. Clearly stated on our website and in the contract you executed it states XXXX XXXX XXXX , XXXX ( the Company ) is a wholly owned and operated entity of the XXXX XXXX XXXX XXXX ( the Tribe ) on the XXXX XXXX Reservation of Montana ( the Reservation ). The following is a link to our website for your convenience : XXXX The Company is wholly owned by the Tribe, was established for the Tribes economic benefit, and is organized under and operates pursuant to Tribal law. As an economic arm of the tribe, the Company shares the Tribes sovereign immunity and, therefore, is not subject to state enforcement actions described in your XXXX mail. The XXXX XXXX XXXX XXXX is a federally-recognized XXXX tribe and a sovereign nation, as expressly recognized under federal law. See 75 FED. REG. 60,810, 60,811. As such, XXXX XXXX XXXX XXXX XXXX, follows the applicable principles of Federal financial consumer laws and the laws of the XXXX XXXX Tribe. We take these matters seriously and diligently work with our customers to answer any inquiries and resolve any issues that have been brought to our attention in a timely manner. We hope that the response above answers your question regarding the legality of XXXX XXXX XXXX providing loans to consumers in your state. As a customer in good standing XXXX XXXX XXXX would like to thank you for your business and let you know that our representatives are available to assist you if any circumstances arise regarding your account, including but not limited to making alternative payment arrangements, payment plans, discussing payment schedules and balances, making additional payments to save on charges, delayed or delinquent payments, etc. Please refer to your contract for your next scheduled payment and due date. If you foresee an issue with making that payment, or have additional questions please feel free to contact us utilizing any of the methods presented below : If by e mail XXXX, if by telephone call customer service at XXXX and a representative will be glad to assist you. A link to our hours of operation is provided for your convenience https : //greentrustcash.com/contact. Thank you for your time and attention. Sincerely, Customer Service XXXX XXXX wrote : XX/XX/2018 XXXX XXXX To You XXXX XXXX, That email is correct. We no longer offer loans to the state of Pennsylvania. The list of states we loan to is constantly changing and Pennsylvania is a recent update to that list. However, the contracts on loans that were already provided to Pennsylvania residents before the change are still valid until the loans have been paid in full. If you have any additional questions, you can contact us via email or phone at XXXX Thank you for choosing XXXX XXXX XXXX Me : I did check with the above entity that I am referencing and according to them, XXXX was not allowed or given a license to provide loans on the date of my contract to anyone in Pennsylvania. No further response from company
06/12/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	OR 97116	Web
I received a phone call from a phone number showing as XXXX on XXXX / XXXX / XXXX . A voice mail message was left stating that they were calling " regarding a formal complaint being filed '' against me and that if I had information in regards to the where abouts of this individual, to contact them immediately at XXXX a s the next step would be filing the necessary paperwork with the local county court. '' The same m essage was left on numerous family members voice mails. I called the number provided in the voice mail the same day and spoke with XXXX XXXX . He told me that they were in the process of charging me with bank fraud and that I had a last chance at restitution by paying {$650.00}. He said the debt was in regards to a payday loan advance. I told him that I had taken out XXXX loans in XXXX and all had been repaid. I told him that I was not going to pay another debt until I was provided written proof of the validity of the debt ( I have received no paperwork from this company in regards to this debt ). I told him that I was told the last time I received a phone call like this about a payday loan that I had paid, I was told that sometimes the debts are sold and the records are not updated accordingly. I told him I was not going to continually blindly pay these debtors without having proof of the debt. I also told him that I had been told previously that providing documentation in regards to the validity of the debt was not possible and that I could only obtain that kind of information in court. I also informed him that it was NOT ok to continually call my family members in regards to a debt that they claim belongs to me. He stated at that time th at GVA Holdings does not make any outgoing phone calls. I asked him who was making the phone calls. He stated that they hire a company to do that. I told him that they and GVA were violating the FDCPA. He said that GVA was not a debt collector. I asked him what he was attempting to do when speaking to me then? He said " provide a method of restitution. '' I said he was attempting to collect money from me to then in turn hand it to a creditor, thereby COLLECTING A DEBT. So they are basically trying to skirt any compliance with the law by hiring a company to make their collection calls. The conversation ended with me telling him that I would not pay the debt or even agree to the debt unless I was provided written proof of the validity of the debt. They continue to contact me and various family members continually to date. All I am asking for is 1. they stop harassing my family members ( and violating the law ) 2. proof of th e debt. This debt was incurred over 10 years ago!!!! I have paid several pay day loans to date. I will not continue to blindly pay these people simply because they call me and say I owe them money and continue to threaten and harass my family and I. They have, to date, failed to provide any written documentation in regards to the debt. I have not received a single letter from them.
02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90003	Web	Servicemember
Frauding scams using my documents of XXXX county Indiana of XXXX XXXX Indiana of XXXX XXXX Hospital of XX/XX/XXXX Frauding scams frauding my parents documents of XXXX XXXX XXXX XXXX XXXX XXXX ( who is decest ) Fraud scams frauding using XXXX Frauding death record of XXXX XXXX XXXX XXXX of XXXX county Indiana Frauding scams frauding using using XXXX XXXX XXXX XXXX documents of XXXX county Indiana Frauding scams frauding my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX Hospital of XXXX XXXX Indiana of XX/XX/XXXX Frauding scams using my immazation record of XXXX XXXX of XXXX county Indiana which ran through 10 States schools Frauding scams frauding my documents of Grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana. She was a XXXX XXXX retiree Frauding scams frauding her 4th husband of XXXX XXXX of Michigan State he was a XXXX XXXX retiree Frauding scams frauding my great great grandparents death record 's of. XXXX XXXX married to XXXX XXXX of Sir name XXXX Frauding scams frauding her parents of my 3 time 's great grandma and grandfather who are decest. Frauding scams using XXXX XXXX who was married to XXXX XXXX serial numbers death record 's. Frauding scams using using XXXX frauding XXXX XXXX Hospital of of XXXX XXXX Indiana who was the head of XXXXXXXX XXXX Hospital as an XXXX XXXX.. Fraud scams using XXXX Frauding scams using business permits Frauding scams using my XXXX school documents of XXXX XXXX high school of XXXX county Indiana Fraud scams using my grade school documents of XXXX elementary School of XXXX XXXX Indiana as others States land development Frauding scams using XXXX Indiana and XXXX XXXX Frauding scams using XXXX Indiana XXXX School as XXXX XXXX Frauding scams using my documents of XXXX XXXX XXXX as XXXX XXXX Frauding scams using XXXX XXXX and XXXX XXXX Frauding scams using scams using auto stores and medical fraud scams using construction crews Frauding scams frauding 50 states wide Frauding scams using fashion related Frauding scams subdivision sinage Frauding scams frauding my documents and shopping malls Frauding scams using XXXX XXXX Frauding scams frauding my documents as lawyers and judges and attorneys and law partners Frauding scams frauding my documents as adult entertainment scams Frauding scams using my documents as semi truck and send trucks companies 50 states groceries stores retailers store 's products and diner resterant franchises tore in to many documents Federal not interested in 65 percent of USA federal date block over land development areas talking in my documents. Frauding scams using many XXXX frauding XXXX XXXX and using business Others also frauded using XXXX XXXX school using XXXX Frauding scams using using streets and hwys sinage Frauding scams using dictionary companies and encyclopedia XXXX Frauding scams frauding XXXX Indiana Frauding scams using XXXX Frauding scams using dump trucks
07/11/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	GA 30094	Web
I am currently paying on a loan from XXXX XXXX XXXX. I had unexpected expense. I reached out to them for a loan to pay some bills. I did use them in the past and paid off under flex pay which loan amount was divided up in a few payments and paid off the loan. Since the time I have gotten the loan I have been struggling to pay it off due to enormous interest rate and the length of the loan. Loan amount {$600.00} interest rate 529.28 % which is illegal in Georgia ( GA ) total payoff if goes full 20 payments a {$2600.00}. This loan started XX/XX/XXXX according to my bank records, I was paying {$130.00} Simi annual. I didn't realized I pay them 8 payments 2 a month to date {$1000.00} $ for a {$600.00} which I over paid them {$460.00} I would like back the difference I over paid XXXX XXXX XXXX, and I would like paid in full as agreed. The other day I called and requested a copy of my contract they give me information on the loan. However, I didn't see my signature on the contract. I spoke to a women that work for XXXX XXXX XXXX and I was shock to see that I over paid them over XXXX dollars. I asked her that I should have been on there flex pay which in the past my payments was broken out for short time and it was paid back. She told me that they were not doing it anymore. I never received any information about it. I asked her to send me copy of the XXXXXXXX XXXX policy change. she said she would send it. I never received it just email copy of contract with the money stated that I browed. " In the state of Georgia payday lending is prohibited. In fact, there is a ban on payday lenders restricting their operation in the territory of the state according to the Industrial loan act ( Ga. Code Ann . 7-3-14. Ga. Comp. R. & Regs. r. 80 3-1.02 ( 7 ) and O. C.G.A. Section 16-17-1 et seq. ). Payday loans go under a title of small loans, generally ; the minimal amount is { {$3000.00} }, according to the 16-17-2 of the Georgia Code. Certain businesses and companies have a legal right to give such loans but in terms that all their operations are regulated by the Credit Card and Credit Card Banking Act. All the lenders wishing to operate in the state should adhere to 16 % small loan rate cap APR ( and 10 % per year discounted plus fees ) as well as 60 % per year criminal usury cap. The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In XXXX, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX XXXX, and has survived challenges in federal court. Referred to as the Payday Lending Act of XXXX, this law authorizes misdemeanor charges against violators, as well as fines of up to { {$5000.00} } per violation and a possible jail sentence of 1 year ''
05/22/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	SC 296XX	Web
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. On XX/XX/2022, I received a phone call from a third party debt collection agency. The representative stated that this was an attempt to collect a debt on the behalf of the loan agency. I let the representative know that this account was in dispute, and that I was recording the conversation. The representative proceeded to hang up. I then sent a second letter of debt validation via certified mail on XX/XX/2022 requesting the same information from the third party debt collection company. I also gave this company the courtesy of a 30 day period to provide me in writing with validation of the alleged debt, a true bill of the alleged amount they say I owe them, and a completed corporate government employee questionnaire. In my letters for debt validation, I asked to be addressed only via mail in writing. The third party debt collection company completely ignored my request in my letter to not be contacted via email, phone, etc. Instead, I have received numerous emails from the third party collection company, which began on XX/XX/2022. The email sent to me on XX/XX/2022 stated that they had somehow finished processing my dispute, and that we have confirmed that you owe the ( alleged ) amount of {$680.00} '' with the original loan company. There was a link attached to this email that stated I could access my debt validation documentation here. The link took me to a screen that said We've verified that you owe this balance. The same page also stated that This concludes the dispute process.. There are 2 files on this screen, file 1 is very vague and only lists a principal amount, interest, fees, late charges, and a total balance. Nowhere on this screen does it indicate what this alleged debt is for, and to whom it is owed. Nowhere on this screen does it indicate that this debt belongs to me. This is not proof of VALIDATION of this alleged debt. The second file shows an alleged loan agreement, which does not satisfy my request for a TRUE BILL and validation of the alleged debt. The email sent to me on XX/XX/2022 states they are following up with the balance verification for my alleged account with the original loan company. I have received three more emails to the same effect, dated XX/XX/2022, XX/XX/2022, and most recently, XX/XX/2022. The third party debt collection company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The third party debt collection company continues to harass me via email every week, and the company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
03/15/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 919XX	Web
I was looking up payday loan companies online and came across this payday loan website XXXX and they advised that i can get a payday loan in five minutes. I filled out a ll the info that was asked and was contacted via e-mail by Northern Plains Funding , LLC. Then was contacted by an agent that advised me that i was approved for {$300.00}. Went through the process of verifying all my info with the agent like my contact info, place of employment and my bank information by calling my bank on 3way with the agent on the phone asking my bank questions to verify that it was my bank account and in good standing. The agent then advise that she will be e-mailing me the agreement and the way that it was explained to me is that I can make pays of {$90.00} per pay period or i can just pay the loan off in full, but i was not made aware that i would have to pay {$2300.00} on a {$300.00} payday loan i understand that payday loans can have high interest but not that high I have done previous payday loans in the past and paid nowhere near {$2300.00} in interest. Once I got the money I looked over the loan in more detail and seen all the interest that was being charged. I then did some digging only to find out that this company do not have any business license in the state of California or in XXXX XXXX county for that matter. I spoke with a agent from DEPARTMENT OF BUSINESS OVERSIGHT and they also tried to look up this company only to find that this company is not licensed to do business in the state of California. I was also advised by the agent that this company is on a XXXX reservation doing buiness, agent then adivsed me that i will need to file a complaint through Federal Trade Comission sense this company is located on tribal land. I have only made one payment of {$90.00} so far to this company thru direct deposit which i sent a e-mail to the company advising them of Revocation of ACH credit and debit no later then XXXX XXXX. From my understanding per CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT website maximum fee a payday lender can charge is 15 % ofthe face amount of the check ( up to a maximum of {$45.00} ). but this company is charging me well over 15 % and well over the maximum of {$45.00}. This loan has a Annual percentage rate XXXX % .This loan is from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. And also per CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT The lender does not cash the check until the borrower 's next payday, up to 31 days. This lender has clearly went over the 31 days allowed until my next payday the lender is requseting that i make 24 payments of XXXX and the last payment of XXXX. This lender is advises that all the payments will be applied first to the finance charges and fees {$2000.00} then to the principal.
04/03/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA XXXXX	Web
On XX/XX/XXXX, I contacted Bright Lending to verify through a three-way call to my financial institution that my loan had posted and paid in full. The agent ( XXXX ) noted the account and proceeded to update my account at Bright Lending so that I may take out a new loan. ( This would be my fifth loan as I have paid in full, four previous loans since XX/XX/XXXX ). I was told to proceed online and call them if I had any questions or issues. Upon submitting " Complete My Application '' I was given a screen result of : Please email your Driver Licence, State ID or Passport and email to support@brightlending.com '' before being able to move forward with the application. I called Bright Lending ( BL ) once again and was told by a Supervisor that [ due to the coronavirus, we are asking for this form of ID in order to proceed with our returning customers ]. I asked what the privacy disclosures were given that the prior agent that I spoke to did not disclose this information neither is it expressly stated on your website. I also asked : How can you assure me of my identity being safeguarded if you have agents that are working remotely from home? The response was [ Your email gets sent to a department within their " tribal facility '' .... somewhere of which I was not made aware through an Agent 's Name/Supervisor or direct phone number extension. Thirdly, I asked : Do you use encryption methods on your email or site for that matter that will safeguard my identity? I was not given any further details other than I do not know and I would have to further ask another department/supervisor for this information. [ sic ] Now, the danger of this deceptive practice is : The customer is giving consent to not being assured that their identity is not being viewed by others, disseminated for unwanted third-party telemarketing or selling of your information and most importantly, that your information is being harvested by any employees and affiliates on the internet. I was told that my ID can stay on their records for 5-7 years. I believe Bright Lending is engaging in illegal business practices that are not being told/informed in a Truthful manner. There is a very fine print in which they state they do not guarantee that your privacy is completely private. However, not stating nor informing their so-called Covid-related business practice has to be a violation of my privacy and consumer rights. At XXXX XXXX XX/XX/XXXX PST, I have finally received an email from BL, that my application for a loan has been withdrawn. However, I still believe this business engages in deceitful business practice at the expense of one 's personal and confidential identity.
05/19/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91763	Web	Older American
North Star Finance sent me a couple of letters in the mail stating I was eligible for a loan modification on a home I own in Florida. I contacted them to see what it was all about. I am XXXX XXXX XXXX and have a high interest rate on my home loan. I had been wanting to find out what I could do to get a lower interest rate. They explained their process and I trusted them ... .that turned out to be a huge mistake. Over the next several weeks I filled out everything they required, and supplied them with all of their requested information. They explained to me they would have my mortgage loan modified within 3 months and my interest rate would be reduced to the current average rates. They then required a {$6000.00} payment for the closing of the loan modification. I sent them the money. Shortly after that, they explained they need another {$1500.00} to complete the loan documents. I sent them the additional {$1500.00}. That was over 6 months ago. Over the next few months I heard very little from them. I tried and tried to get a hold of them. I did receive a couple more letters, which made it look like they were actually working on it. I later learned that nothing was actually being done, and their documents are all bogus. The last communication I had with them, they were demanding an additional {$1200.00} payment. I told them I was not going to give them anymore money. My daughter has been trying to help, and she has been in contact with them. She requested they give me back {$6000.00} of the total {$7500.00}. They deposited a check into her account for {$7500.00}. They wanted her to give them back {$1500.00}. She told them she would once the check gets funded from their bank. Well, 3 days after the check was deposited it bounced. We were n't that surprised. I have a copy of the check. I believe they are making false checks with someone else 's information on them. The name and address on the check is from an older gentlemen that lives in XXXX . I believe he has no idea what these guys are doing. The check bounced abo ut 3 weeks ago. Since then my daughter has talked to them a couple of times. They claimed they would send a money order, but that was over 2 weeks ago. They now wo n't return my daughter 's calls. I am concerned they are scamming people all over. They must be stopped. Any help or assistance you can give would be greatly appreciated. Thank you for your time.
03/31/2017	Yes	Debt collection Payday loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	TX 75287	Web
This is the last and final chance for you. This Legal Proceeding issued on your Docket Number XXXX with one of Cash Advance XXXX. The company in order to notify you that after making calls to you we were not able to get hold of you so the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. case File # : XXXX Loan Amount : {$300.00} Amount Outstanding : {$790.00} Settlemen Amount : {$400.00} You are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter. XXXX XXXX XXXX XXXX HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. And once you found guilty into the court house then you have to bear the entire cost for this law suit {$6300.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then one will be appointed to you, we believe that this was not your intent and that these steps are unnecessary. IF YOU WANT TO RESOLVE THIS MATTER IMMEDIATELY CONTACT US.
03/04/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	OK XXXXX	Web
This is a follow-up to claim # XXXX. Target Cash is refusing to settle the account which they clearly stated they would below. Target Cash Now is in receipt of the complaint filed with the CFPB. We take all comments good or bad very seriously. The following is our response to the items noted. First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer, XXXX XXXX. First and foremost, Target Cash Now is committed to complying with the spirit of all applicable federal laws and the laws of the XXXX XXXX XXXX XXXX. In regard to Ms. XXXX, the loan terms and conditions, as well as repayment options, were explained to her at the time of loan origination. Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. Specifically, the APR is disclosed both on the Target Cash Now website, as well as the loan documents that are reviewed and signed by the customer. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Ms. XXXX at each point by mandatory electronic signature. The loan agreement signed by Ms. XXXX is legally binding, and we have every right to expect payment as scheduled in the agreement. We certainly understand our customers experience financial difficulties from time to time, and we appreciate Ms. XXXX diligence in paying off her previous loan with Target Cash Now. Regardless, as a gesture of goodwill to a valued returning customer we will consider Ms. XXXX obligation settled for what has been paid and consider this matter closed. This will be notated in Ms. XXXX file. We will make every effort to reach Ms. XXXX utilizing the contact information she has provided to us. Correspondingly, Ms. XXXX, at her convenience, may call our customer service line and she will be directed to a representative who can assist her with any questions. We hope that this letter resolves any concerns. As noted above, Target Cash Now is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Respectfully, Target Cash Now
01/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 614XX	Web
Dear Mr. or Ms . I made the mistake of taking a loan out with this company, I was approved for a {$600.00}. I was told online that there would be a smaller finance charge, steep, but I agreed. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, 649.9988 % and that the total repayment amount for my {$600.00} loan would be a whopping {$3400.00} I had not been informed of the 650 % interest rate on the loan, and I was told there would be a {$350.00} finance charge, not {$3400.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. To this date I have paid {$560.00} ( in only 7 weeks ) for the {$600.00} loan. I was also told this would be bi-weekly payments and not weekly. I feel like I was totally mis-lead about how much this little loan would cost me. I am willing to pay this off with a reasonable amount of interest. Thank you for your time. I did not realize this was such a scam or I would have never accepted this. They sent me an email stating that I now owe them : XXXX wrote : XX/XX/2019 XXXX AM To You XXXX XXXX, Thank you for your email. Our records show your account is fully past due in the amount of {$1300.00}. There are currently no payment arrangements for your account. We are able to divide this balance into 7 smaller payments of {$180.00} to assist you in your efforts of paying your loan in full. Thank you for choosing XXXX XXXX XXXX. Disclaimer : XXXX XXXX XXXX , XXXX is an entity formed under the laws of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reservation of Montana ( the Tribe ), a federally-recognized and sovereign XXXX XXXX Tribe. XXXX XXXX XXXX , XXXX is wholly-owned by the XXXX. XXXX XXXX XXXX , XXXX is a licensed lender authorized by the Tribes Tribal Regulatory Authority. This is not acceptable. I am willing to settle for a reasonable amount of interest. I have paid back 95 % of the borrowed amount. XXXX XXXX
07/28/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	SC 295XX	Web
Hi my name is XXXX XXXX and the company Im filing a complaint on is Bright Lending XXXX. XXXX XXXX XXXX, MT XXXX XXXX On or around XX/XX/XXXX I borrowed {$500.00} from a loan company called Bright Lending. It was a fast arrangement and the gentleman seemed very helpful and zipped me right through. I let him know that I did XXXX XXXX part time and could steadily pay back the loan every time I was I had parts of the payment and certainly within a year. I gave him my bank info to make the deposit and electronically signed my name. Later that evening I discover the interest would be like {$2500.00}! And then last week they drafted my bank account, which put it in the negative, and now Ill have late fees of {$35.00} every week from my bank. I just had XXXX on XX/XX/XXXX and was counting on receiving a payment reminder or something ... .I couldnt believe they drafted my account. I called Brightlending yesterday XX/XX/XXXX to have the drafts stopped so I could afford to pay them back. I got a flat refusal. After I hung up the phone, about an hour later I received a payment reminder via email ... a little too late. My bank cant stop the automatic draft and Bright Lending will not. I was struggling which is why I desperately contacted a loan place. There was no mention that my bank would be drafted. They didnt even ask for a pay stub from me. Which I dont have one because Ive been ill the past 3 years and havent worked. I am hoping you can point me in the right direction. I want to pay back the money, of course, but not the astounding interest fee. And Ill never be able to pay it back with my bank account being in the negative and the weekly {$35.00} overdraft charge on top of it. I was completely misled about the drafts. This is terrible. I cant afford the ridiculous interest not the bank draft charges every week. And I can not access the My Account on their website to attach the interest rate they threw on me. Its like this company takes the money from the bank and there isnt even any money in my account! So now I owe the bank! Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
04/01/2016	Yes	Payday loan	Applied for loan/did not receive money	OH 45424	Web	Servicemember
I applied for a loan, the company called my bank with me on the line and verified my information. I was told that the I was approved and that the money would be deposited into in two business days. at that time I was offered to received the loan in one day by paying an additional {$12.00} fee. On the day the money was supposed to be deposited in my account. I received a call from the company saying they needed a different work number. I had provided them with my supervisors number. They called after the wire cut off and there was no way to get me the money in addition they had been given the only number to verify my employment. I spoke to my supervisor this week. He was intending to discipline me because I broke security procedure and gave out the phone number. I corrected him and told him I had applied for a loan. He said the person who called him did not present themselves as a professional and he thought it was a customer. He said had they been able to communicate properly he would have verified my employment. I took a loan out to buy a luxury I did not have the money to buy. The company had me sign the loan document and said it was done. They did not keep their promise, as a result I have suffered overdraft fees and I want them paid. The company called me the next day after the day I was suppose to get my loan they wanted a different number. The damage had been done I told them I wanted nothing to do with them. Why would I go through this process a gain. Because the people doing the verifying are not American and obviously do not understand how to communicate when calling and asking for sensitive information. they were not able to verify. I have suffered do to the incompetence of this company 's employee and I feel they should pay my overdraft fees incurred do to their inadequacy. No I do n't want a loan from them. I want reimbursement of the fees they caused me with their lies. If my loan was not complete, they should have said so. I signed a promissory agreement and was told my money would be deposited on that day not it may be deposited. It was suppose to be a done deal.
12/29/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 32771	Web
On XX/XX/2022 at about XXXX I clicked a link on my phone that said to get " money instantly '' when applying. I had no idea what site this was from but it was matching me to a bunch of different vendors to see who could assist me. I clicked through one creditor that could offer {$800.00}. I was clicking through the pages and entering my data when I clicked to " agree '' I was brought to a page that said I would be paying an APR of 699.9856 % with finance charges of {$3600.00} for an {$800.00} quick loan. I panicked and wanted to immediately refuse the deposit, however my husband convinced me to keep the loan as we needed the cash for rent and that we could pay off the loan way before paying thousands of dollars on it. At the time I didn't even realize this was a payday loan. I never even visited this lender 's site. Now after visiting their site and seeing their privacy policy of : " Aaniiih Nakoda Finance , LLC DBA Bright Lending is an entity formed under the laws of the XXXX XXXX XXXX Community of the XXXX XXXX XXXX of Montana ( the XXXX ), a federally-recognized and sovereign American XXXX XXXX. Bright Lending is wholly-owned by the XXXX. Bright Lending is a licensed lender authorized by the XXXX XXXX XXXX XXXX. '' They don't even sound like a legitimate business company. Today, I called and revoked my ACH authorization after I have already paid this company more than what I borrowed. I have paid them {$1200.00} from an {$800.00} loan. I asked them to please close this account and cancel this debt as I would be contacting my attorney and filing suit against them. I have a XXXX daughter and a husband and rent my home. We live paycheck to paycheck with no savings and very little money in the bank. I need assistance in closing this account and I am not against helping others who are also in my situation get justice from companies like Bright Lending who think it's ok to make a customer pay them {$4400.00} from a {$800.00} loan. Thank you for your time. I have my loan agreement attached for you to browse and share with anyone needed.
01/21/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92887	Web
There is a company that I requested a loan from before, after they did deposit money into my account I realized hw high their apr was and paid them in full right the way and stopped business with them. However, just 3 months after on XXXX/2022, that company did deposit funds in my account I think ( I do not look at my account on a daily basis, I am busy and don't have to look when I Know that I am not applying for anything ), after that they started taking money from my account on a 1 week sometimes two weeks basis making it a total of almost {$4000.00} now, putting me in trouble and issues while I am busy taking care of my sick dependent. This means that they used my personal information, including my social to do request something I never authorized. I filed a dispute with my bank but they weren't able to help. so I filed a police report and identity theft. I was promised by the company that they will refund my money, but last time I spoke to them they said that they can only refund money from after the police report. I am planning on suing, but prefer resolving this in a smart manner instead cause I have no time for this. I need my money back including the damaged it caused to my credit report, bank account, delays in purchasing what was important for the house including food on our table. I emailed them 5 times with no response, I called them maybe 6 times, every time they say someone ( a supervisor ) will call me back, no one ever did, and every time I call back the representative says that the previous representative requested that someone calls you but the call was never made. ESPECIALLY TIME! MY TIME IS PRECIOUS AND WAS WASTED The company is XXXX XXXX. Address : XXXX XXXX XXXX XXXX, MT XXXX customer service : XXXX Resolution : credit report repair ( loan opened without my authorization ) my money refunded {$500.00} waste of time, energy, health, money, nd credit damage. If to go through court, resolution will probably be XXXX XXXX as this is fraud and personal damage and financial impact during crisis
02/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	FL 33025	Web
Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida XXXX XXXX XXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WA 985XX	Web
On XX/XX/XXXX I received an email from Bright Lending telling me my loan had been approved. I had not applied for any loan. My house recently burned down and I am currently trying to purchase a home and was told not to open any new accounts. I opened the email on XX/XX/XXXX and went to the website which had electronic signature information dated XX/XX/XXXX with an IP address out of XXXX AZ, I am located in WA state. I then emailed the company letting them know I had not participated in this at all as it was too late to call them. On XX/XX/XXXX I called first thing and they were very helpful and canceled the loan. She said that if the funds did transfer into my account they would be removed within a couple of days and would receive a cancelation email. I never received an email and {$1000.00} showed up in my account that day. I waited 3 business days and called again and was told it would take 3-5 days and my loan was officially canceled XX/XX/XXXX. I asked again for an email and did receive it timely. Today XX/XX/XXXX I chatted with someone online because the money had not been removed. I was told they would have someone call me but couldn't say when so I called myself. I was told that for them to remove the funds I had to complete an affidavit at indentitytheft.gov, take the affidavit and file a police report and then fax the police report to them to have the funds removed. WHO OWNS A FAX?! I was also told that my information was received from a third partY site XXXX. This loan was approved automatically they never contacted me to verify it was a valid request. I feel like this is predatory I did not and would not apply for a loan with a 699 % interest rate and they are making it extremely hard to return the funds. I now have to change my checking account information because I'm afraid they are going to start taking payments out. I've also frozen my credit hoping that something like this doesn't happen again.
03/23/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21202	Web
I was contacted by Target Cash Now on XX/XX/2021 and informed they were trying to collect on a debt for a loan that was taken out on XX/XX/2021 by someone using my information. At first I thought they were trying to scam me but when they provided me with information about the loan, I realized they had my name, my last 4 digits of my social security number, my place of work, my telephone number and a portion of my address. They did not have my full address and the banking information they provided is not a bank that I have an account with. Target Cash Now informed me that I would have to file a police report since as far as they were concerned the account was in my name and it would affect my credit rating. I did contact the XXXX XXXX Police department and I have a XXXX Police Department Citizen/Police Contact Receipt ( XXXX ) also dated for XX/XX/2021. I did not share this information with Target Cash Now because it has my drivers license information and my correct address and I did not want to provide them this information. Instead I reached out to the Maryland States Attorneys office for advice and guidance. I was advised by Mr XXXX XXXX, XXXX Identity Theft Program, Office of the Attorney General to file a complaint with this organization and to freeze my credit. The following is the rest of the information that Target Cash Now provided me on this loan that I am disputing * funds deposited into XXXX XXXX account ending in XXXX XXXX Loan ID XXXX XXXX Of interest to me is that I never received any loan documents or information on this account/loan even in my SPAM/Junk mail prior to the disbursement of the funds. But I have received numerous requests in my spam that are reminders about the payments that are due on the account. I would appreciate any assistance you can give me to get this situation resolved.
08/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	ME 04401	Web
On XX/XX/2019 I applied for and was funded a {$300.00} installment loan. The loan came with an astronomical interest rate. I have been making the payments weekly via electronic debit of my bank account with the exception of one week my check came in late and they charged me a fee for missed payment. I am caught up but for that fee. I contacted them a few months back because I was unable to register for login on their website. I wanted to view and print my terms again and see about an early payoff maybe or rearranging dateas, etc. I just needed to be able to view my account online. I was told that I was unable to regiatwr with the site because of the very small past due fee..my bank covered it and they got their payment a day late..but the fee stayed. They would not in any way shape or form allow me to register online unless I paid that overdue. I argued for it to be added at the end as an extra payment, paid off in increments..anything and evwrything I could think of. Its been nearly 6 months and I still am unable to gain access. I can not get them to tell me my balance or anything. I gave up until recently. I want to switch my payments to my other bank account and need to be able to access the site to do so ... as thwy told me in emails they can not take or change payment information. Is there anything you can do to help me get into my account? I think it is my right as a consumer to be able to view my own loan information isnt it? Also, they are a tribal lender i believe so I dont think theres much anyone can do about them taking complete advantage of my desperation with those interest rates ... but maybe could look into it? It screams unfair business practice to me. Thanks so very much and Ill await your reply XXXX XXXX XXXX XXXX
10/06/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	WI 548XX	Web
On Sunday, XX/XX/2021, I received an email from XXXX stating that my {$1500.00} loan had been approved. Within 3 minutes, I received a communication from XXXX stating that my personal information had been used to secure a short-term loan. I reported to XXXX that I did not apply for any such loan. I opened Case # XXXX with XXXX and then called TargetCashNow at the number provided in the email they sent me : XXXX. I spoke with a representative and learned that someone online used my date of birth, email address, and social security number to secure a {$1500.00} loan and is having the money sent out of the country. I tried to explain that this was fraud. The agent told me I needed to file a police report. I told her I have XXXX and they would handle it. Today, XX/XX/2021, I received an email from TargetCashNow demanding payment of {$260.00} by XX/XX/2021, or I would be assessed an additional fee. I called XXXX and together we called and spoke with a representative at Targetcashnow.com named XXXX. XXXX told me I MUST secure a police report for his company as it is the policy at their company. He told me that they did not issue the money to the person who applied in my name. I asked him why they are demanding payment from me and he could not answer me. He told me that the only way to resolve the matter was to secure an official report from law enforcement. I believe this is not my problem. I asked for compensation from TargetCashNow for my lost time from work and miledgae but was not offered anything other than if I wanted to fix this so it is not my responsibility, this is what I had to do. I would like this matter investigated as this company is violating my rights under FERPA. Thank you.
08/13/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 75901	Web
Received an email on XX/XX/XXXX stating that I was approved for a {$400.00} loan and that my first payment was due on XX/XX/XXXX. I immediately called the company from the email by the name of XXXX XXXX and spoke to a lady customer service rep and explained to her that, I did not apply for a loan from this company ever and asked what personal information of mine they had on file. She did give me my correct information but all the information was very old. The employer they had listed, I havent work there since XXXX and the address they have on file, I moved from in XXXX. The phone numbers are very old and has not been in service for like 4 years. The bank account that was on file has been closed for about 4 years also. I explained to her that someone has to be using my old information. She stated that she would speak with her supervisor and request payment to be stop from going into that old bank account. On XXXX/XXXX/2017 I received another email stating that my payment was returned by my bank for non sufficient funds ( even though the first email said payment due by the XXXX ). I called once again and this time the lady stated they were working to resolve this matter and I have not recieved a response about the outcome. As of today I went to their website to see if that account was closed but its still showing active with late fees. This is fraud and stealing off my personal information they probably bought from an old company. The IP address XXXX XXXX showing at the time the loan was accepted does not match my IP address.
04/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	DC 20016	Web
I, XXXX XXXX, applied online to a group of companies offering personal loans. I was under the impression that I was dealing with companies registered in the United States in a particular state ( Montana in this case ). It is believed that Bright Lending is charging approximately 685 % annual interest on a {$300.00} dollar loan with weekly installments of {$40.00} dollars. Three payments have been made with approximately 5 principal payments made between installment dates. Approximately {$150.00} to {$160.00} dollars up to this point has been made. Bright Lending is refusing to apply the additional payments towards principal payments. After further investigation, Bright Lending is believed to be breaking the law by charging annual rates above the State of Montana and the District of Columbia 's " Cap Interest Rates. '' The State of Montana does not have Bright Lending or any of it's affiliates listed as registered businesses. Bright Lending is believed to be working from an " off-shore haven '' ( XXXX ) where the site is listed as being hosted via a XXXX Search. Additionally a traceroute of the IP address indicates off-shore computer servers. My goals were to pay off the loan as quickly as possible within the District of Columbia 's Cap Rate of 24 %. It is believed that Bright Lending is a bogus site being operated by some third party refusing to be registered as a corporation in the US. It is believed that my phones were rerouted by Bright Lending in order to put me in a compromising situation relative to the loan.
11/06/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	SC 291XX	Web
On XX/XX/XXXX, out of desperation, I foolishly turned to a predatory payday loan lender. I borrowed {$500.00} and did not fully understand the ramifications. I made my first payment on XX/XX/XXXX in the amount of {$130.00}. Despite having paid {$130.00}, my online account shows I still owe {$560.00} on a {$500.00} loan. This is outrageous! If I pay another {$560.00}, I will end up paying {$700.00} on a {$500.00} loan. That is {$200.00} in interest. 40 % interest!!!!! This is predatory and greedy. There is no where on the website to view any loan documents which is deceitful and misleading. This must be illegal!!!!! Since I have paid {$130.00} on a {$500.00} loan, my balance due without interest is {$360.00}. In South Carolina, payday loans can only charge {$15.00} per {$75.00} borrowed. Since that is my state of residence, I should only have to pay {$75.00} in fees. I should have a balance remaining of {$430.00} NOT {$560.00}. Since XXXX XXXX XXXX has not been transparent in its information and is a greedy, predatory payday loan lender, I now want to reach a settlement to pay off the {$430.00}. I will pay the following : {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$39.00} on XX/XX/XXXX I will make my payments via check mailed to XXXX XXXX XXXX. I have revoked XXXX 's authority to automatically take money from my checking account.
10/14/2016	Yes	Payday loan	Charged fees or interest I didn't expect	FL 33613	Web
I borrowed {$700.00} on XXXX from a company called North Cash and I knew that it would be an expensive loan if I did n't pay it off early. The representative even stated that if I were to pay the loan off early I would save significantly on finance charges. The finance charges that I am being charged are {$190.00} every two weeks. I called in early XXXX to get my pay off balance and was told at that point that the payoff amount would be over {$800.00} ( ca n't remember the exact amount ). I was confused because at this point I had already paid over {$900.00} towards the loan and I could n't understand why the balance was more that the amount I borrowed.I had a family emergency that came up around that time so I was n't in a head space to follow up on that conversation. I have paid {$190.00} every two weeks since XXXX and when I called to get the pay off balance on XXXX I was told that I would have to pay over {$900.00} to pay the loan off. When I asked how that was possible the representative told me that I still would be responsible the remaining interest on the loan and I just do n't understand! When I crunch the numbers what she told me is incorrect about owing the remaining interest because the amount would be much more, but I also do n't understand how she came up with the amount that she gave to me. I 've worked very hard to get my credit back up to the mid XXXX 's so I do n't want to do anything that will cause a blemish, but it just seems like this is n't legal what North Cash is doing.
04/29/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MA 02131	Web
I contacted this company to see what help they were providing customers like myself during this pandemic. The best they would do is place one payment at the end of my payday loan, which is no different from what they would do as one-time courtesy outside of this worldwide pandemic. I told the representative that I was unable to keep up with these payments. The representative offered no help. The representative went on to say that missed payments would be subject to the terms and agreements documented in the contract. In speaking with a friend about it and describing the loan I was in, the person informed me that payday loans are illegal in Massachusetts given the high interest rate that exceeds the lending requirements of the state. I was also informed that this loan falls under predatory lending and violates Massachusetts law. I went to the Massachusetts website to obtain more information. The website did have information stating payday loans being illegal in Massachusetts. The original loan amount was XXXX dollars. The company is withdrawing more than XXXX dollars out of my checking account every two weeks. The interest rate on this loan is 789.97 % and I'm paying more than XXXX dollars per month, most of which is interest. When I took out this loan, I did not realize how high this interest would be. In the end, I will pay more than XXXX dollars for a XXXX dollar loan. I've already paid the original loan amount back with interest. I can not keep up with these payments. What are my options?
04/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92880	Web	Older American, Servicemember
I took out a loan of {$1200.00} in early XXXX with Target Cash Now. Actually, they took out a {$75.00} processing fee and {$1000.00} was direct depoisited into my checking account. The interest rate was over 700 %. They started taking payments every two weeks out of my account. Each payment was {$380.00} every two weeks. I then realized just how bad this loan was as the principal was paid back just after 6 weeks. I paid them about {$2000.00} in payments and started to have trouble making the payments. I am a senior citizen and a veteran and I started reaching out to TCN to try and get a settlement I could afford. Over four weeks I spoke with different people at TCN some acted like they would work something out with me and some had the attituded of a loan shark and were mean. I made an offer to pay them {$800.00} in two installments. {$400.00} the third Thursday of the month when my Social Security is deposited. for ten days is was told the people at the top had not yet approved my offer. Yesterday, I called and a rude man told me they had sold my loan to a collection agency. I was very upset and asked to speak to the CEO. The man told me he didn't know who the CEO was. That of course was a lie.I found out from the XXXX website that their CEO is Ms. XXXX XXXX and a XXXX XXXX is their Compliance Manager. XXXX is owned by the XXXX XXXX XXXX XXXX I believe from Montana. Since this COVID 19 virus has come upon us, paying this has become even more difficult for us. Can you please help me?
10/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Can't stop withdrawals from your bank account	AZ 851XX	Web
Spoke to agent and immediately requested to revoke my ach and pay off loan XX/XX/2023 approximately XXXXXXXX XXXX Az time. Spoke to an agent from cash advance now at XXXXXXXX XXXX Az approximate XX/XX/2023. Requested financial hardship assistance due to XXXX. Advised could not assist. Asked Agent what would be my pay off for XX/XX/2023, advised me {$660.00}. Advised I would try to get the funds to pay off loan. Called today XX/XX/2023 was advised due to a pending. ACH for XX/XX/2023 unable to pay off loan and revoke ach ( after agent took my debit card details ). Asked to speak to a supervisor. Supervisor advised me I needed to call atleast 2-3 days before ACH withdrawal to revoke authorization. Advised Supervisor unfair practices for Cash Advance Now. Was also advised I could only do a pay off for XX/XX/2023 via ACH and not debit card ( more daily interest ) the due date and the pay off would be {$690.00}. XXXX advised the modification to my ach would send a email that would state needs to revoke authorization for ach atleast 2-3 days before withdrawal. Email does NOT state this. Copied directly from the email You agreed that this Automatic Payment Authorization Change Notice will remain valid and in effect until your loan, including principal, finance charges and other charges, is paid in full. However, you may revoke this authorization at any time by contacting your bank, by calling Cash Advance Nows customer service line at XXXX, or by e-mailing us at XXXX. XXXX lender. Beware!
09/13/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 318XX	Web
I received a payday/installment loan from XXXX XXXX XXXX around XX/XX/2018 in the amount of {$500.00} ; which was instantly deposited into my checking account. At the time the loan was made- I was unable to fully and completely review The Truth in Lending Disclosures. To this date- I am still unable to access my account and view any of that information. As of todays date ; I have made the following bi-weekly payments of {$100.00} ; all of these payments have gone towards the astronomic interest that is being charged and nothing towards the principal. To date I have made the following payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- totaling more than {$860.00} being paid for an initial loan of {$500.00}. I am unable to continue making these payments and have tried to contact the company to discuss other arrangements ; to no avail. The only response I have received from the company is being told that payments will continue to be drafted from my account and interest will be accumulating on a daily basis. This predatory loan is not only unethical but illegal in the state of Georgia. The interest amount being charged is well over 400 %. Chapter XXXX of Title XXXX of the Georgia Code is commonly referred to as the Payday Lending Act, even though it applies to installment loans as well- this code states any loans of {$3000.00} or less made to Georgia borrowers at interest rates that exceed eight percent ( 8 % ).
09/05/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 457XX	Web	Servicemember
I contacted the company today regarding the loan. I have been paying XXXX twice a month since XX/XX/XXXX. I attempted to log on to my account to check the balance and review my contract. I am aware of the high interest rate of the loan but felt I had payed too much for the loan. When I tried to logon to my account access was denied. I emailed the company regarding this matter today and was advised I owed 2 more payments due on XX/XX/XXXX. One for a missed payment which I was unaware of any missed payments. I was told account information was not available at this time online. I was advised by email when I opened the account that I would have access at all times to this information. I requested a copy of my contract today Im the email and no response was given to this request. If they can not provide me a copy of my contract or interest I have been charged then how can this be a legal contract. I realize part is my fault for being desperate and dumb at the time. I printed a copy of the contact at the time but have moved since then and had misplaced it. They identify themselves on their website as a tribal lender in Montana. I am not sure exactly how much the loan was for again at the time I was desperate. I feel that withholding documents is not legal and I should be reimbursed the interest I have paid them at the very least. Now I am not even sure this was a legal lender.
06/01/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	MD 21740	Web
I borrowed {$500.00} from Bright Lending ( brightlending.com ) for a family emergency on XX/XX/XXXX. With the understanding some of the payment will be toward principal. I tried to log in to the account on XX/XX/XXXX to see how my payment is being applied and to obtain a copy of the contract. However, once I went into the account, I could not find any of my information. The portal will only allow me to request another loan. I called the same to day to retrieve my contract. I was told I could get the information from the portal. After several more attempts I was unable to obtain the information. I called once again and requested to have the contract emailed to me. However, this never occurred. I continued to pay the loan from XX/XX/XXXX through XX/XX/XXXX in the amount of {$150.00}. I called on XX/XX/XXXX to pay off the loan and was told I owe more than the {$500.00}. When asked why wasn't any of my payments applied to principal, the supervisor XXXX advised only some of my payments will only be paid to principal. I also asked her which payments would be applied as that was not specified in the contract, she stated it doesn't matter which payments. She also stated she could not pull up my contract at that time ( which also made no sense to me ). She said she would said me another contract after the call. I have not received the contract.
05/09/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	CA 93535	Web
I spoke with the company today and inquired about paying off my loan. I have received loans from this company for over two years so I am aware of how expensive they are. On several occasions when I have called to do an early payoff the representative has offered to waive the finance charge for the pay off. I always call prior to the due date of my loan. That was not the case this time. I had taken out a loan for {$800.00}. I have already made one successful payment on time on XX/XX/2018. I spoke to the manager and the rep who informed me that my pay off would be {$980.00} if I pay on the first. The manager stated that they are able to do so if several payments have been made. So basically after they have gotten more than enough money from you they will work with you. If I was able to make a payment today the manager offered me a discount and said my pay off would be {$750.00}. I also tried to inquire what the actual fee was for XXXX. The rep only told me there is an 485 % apr. Which i am aware of but that is not what I was asking. I referenced their website which shows an example for {$300.00} that payback is XXXX. I feel that there practice is criminal. Especially since I was asking for something that they have been able to do before. There are so many people that get these loans and don't pay them back. I am not one of those people.
03/29/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	PA 19131	Web
i took out a {$400.00} loan in XX/XX/2017 and have made {$120.00} payments on time biweekly since that time. XXXX weeks ago I contacted the company inquiring how to pay down the loan and was informed that any additional payments made at the same time as the original payment would be applied to the principal. I have been paying {$120.00} plus an additional {$200.00} for the last to payments and to date only {$37.00} has been applied to the principal. The company states that they have no way to apply the additional payments to the principal therefore they apply the entire payment of {$120.00} to interest and XXXX to principal from the additional {$200.00}. To date I still owe {$810.00} from a {$400.00} loan the principal has been reduced less than {$40.00}. The interest is 699 %. It would seem that if the entire original payment is applied to interest then there is nothing but principal remaining for the additional payment to be applied to. It is also contrary to what I was informed the process would be. I would not voluntarily pay additional money for additional interest payments. As of now I am paying {$120.00} plus an additional {$200.00} per payment for XXXX in total to be applied to the original loan amount of {$400.00}. I have been informed that I will pay the loan off earlier than anticipated in XXXX if I keep this rate up. Wow!
11/20/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30349	Web
I haven't taken out an loan out from Bright Lending because it seems to me after reading over the lender Loan Agreement And Disclosure Statement it seems to be unpractical and more towards predatory lending. I was taking out a loan for only {$800.00} but their Annual Percentage rate was set at 674.9888 %. Finance Charge {$2900.00} with a total payments of {$3700.00}. I thought that was a little much so I called and asked to speak with someone about the Loan Agreement. My question was why didn't the Loan Disclose a early pay off and NO ONE could answer my question or could tell me anything about an early pay off option and what that would be. I asked was it 5 -10 pay off but got no answer accept that it depends. My question was depends on what? They kept putting me on hold to fine out but could never give me a straight answer at all. So I said you could put all these unreasonable finance charges {$3700.00} for a {$800.00} dollar loan but you cant tell me anything about early payoff for just the {$800.00} without all these fees. I don't know the law but in my heart I truly feel this is a Predatory Lending Company and they need to be closed down. Its company like this that destroying peoples lives and future. Please look into this! I can provide you a copy of the Loan AgreemenXXXX Thanks XXXX XXXX XXXX
09/22/2017	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AL 36695	Web
I have had an account there since XX/XX/XXXX. I received a loan of $XXXX. I have made every one of the biweekly $XXXX payments since. I started calling onXX/XX/XXXX to find out the payoff balance. The representative told me there were technical issues keeping her from getting in to my account. (Something I later learned is a common tactic they use.) So, I called back on XX/XX/XXXX and spoke to the same girl. She told me she still couldn't get in to my account and promised that interest would stop accruing while we got this sorted. She told me the balance would be emailed to me or I would get a call. I received neither, but two more payments have been debited from my account in the total of $XXXX. I spoke to a representative on XX/XX/XXXX who advised me that the pay off is $XXXX. Since I have been trying to settle this since XX/XX/XXXX, I told her I need the $XXXX that was debited after to be applied to this balance and allow me to pay the difference of $XXXX to close the account. She said her supervisor would call me back. I heard nothing. I emailed their customer service with this issue. No response. I called again on XX/XX/XXXX. The same girl assured me the supervisor would call me that day. No call. I have since called and left voicemails and sent another email. Still no response.
07/16/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 370XX	Web
I have told at least 3 representatives from Bright Lending in the past that this telephone number does not belong to XXXX XXXX. It is a cell phone belonging to his former employer, XXXX XXXX. Each representative states that they will remove my business cell phone number from their database. Yet .... Since Monday, my cell phone records show the following calls that I ignored : Monday, XX/XX/2021 at XXXX from XXXX Monday, XX/XX/2021 at XXXX from XXXX Tuesday, XX/XX/2021 at XXXX from XXXX Wednesday, XX/XX/2021 at XXXX from XXXX Thursday, XX/XX/2021 at XXXX from XXXX Thursday, XX/XX/2021 at XXXX from XXXX On Friday, XX/XX/2021 at XXXX, I picked up the phone and spoke to XXXX who RUDLY INSISTED that Bright Lending has never called XXXX before. She refused to take me out of their database altogether as I requested, instead she said she will put me on their " do not call '' list which they will sell and cause further harassment. When they call they insist very rudely to talk with XXXX XXXX, when I tell them they have the wrong number, they refuse to hang up, they continue to ask as though I am trying to hide him. If I get another call from them or an associated company, I want compensation per call. I am tired of them interrupting business meetings and my work day.
04/28/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 79720	Web
I took out a short term payday loan with this company. I did not realize they had no recourse for early payoff and would make me pay a total of 20 payments in the amount of XXXX. I borrowed only {$650.00}. When my paydate came at an incovienent time, I tried to resolve it by asking for a 4 day extension of my payment. To this date I have make 5 payments of {$190.00}. I was told I could skip one payment but they did not tell me until it was too late and loan payment was being processed through my bank. The payment was returned and I had already explained that would be the case and I could not control it. So far I have paid over {$960.00}. I understand they need to make money, but the fees are exorbitant and present a hardship for me. It is my error, but I also have never encountered a situation where there was no reduction in payment for early payoff. I am happy to pay what I borrowed, but I don't think paying over {$3000.00} makes complete sense. At this point they are saying I still owe over {$2900.00}. I am not naive to payday loans, and its not always the best use of my money, but it was a circumstance that I needed to borrow the funds. Is there any recourse for this situation that can help to mitigate these high charges.
02/19/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 92705	Web
I was contacted by a man named XXXX XXXX claiming he is from XXXX XXXX XXXX. He claimed that I gave fraudulent check information or inaccurate checking account information to pay a debt. He said the debt was from Target Cash Now. I then received another message from an XXXX XXXX from XXXX claiming to from XXXX XXXX XXXX. She said I was going to be served at my place of work and the documents needed to me signed by me and my manager. She gave me a different number to call than XXXX XXXX. I called that number and the first time it went to voicemail claiming to be XXXX. I then called it back again and was able to speak to another person that sounded like XXXX XXXX the first man I spoke to. He said he couldn't give me any information and had to transfer me to a different department. He also wouldn't tell me what XXXX stood for he said it was the company name. The man that answered when he transferred me asked if I was recording the call and I said yes. He then said he couldn't give me any other information and hung up on me. I called Target Cash Now and spoke to someone in their collections department and he said the only company they use for third party collection was XXXX XXXX. These people need to be stopped!!!
08/16/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	PA 161XX	Web
On XXXX XXXX 2017, after the holidays, I was approved for {$200.00}. After going through the approval process I need to e-sign. I did so the lady XXXX XXXX ask if this was for the XXXX. I asked if XXXX was possible and she said yes. We would need to redo the esignature. After almost completing the second, I said " now I do n't want to end up with two of these loans, that is not going to happen, will it '' she assured me no. But it did. The second loan was thru XXXX XXXX, although outrageous ; I was able to get that paid off after 8 months ( XXXX ). I tried to contact XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX to pay off the principle of XXXX, which I have already paid XXXX in interest. They told me their systems were down and unable to adjust my account. I called back and pretended to open a new loan and they had no problem with their systems and wanted to set me up. I called again on XXXX XXXX and after half hour on hold finally demanded a supervisor. Her name was XXXX. She would n't give a last name, just employee number XXXX. She said there was nothing she could do, she would contact me in 24 hrs with payoff amount, but she never did. I have some emails and some written documentation of my attempts to contact.
10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55432	Web
I had issues with a credit report that was different from the reports I have access to. Credit reports are being withheld and the numbers used aren't being shares with consumers who need to know exactly where they stand before applying for credit and further damaging their sensitive information. My credit score with XXXX had never been under XXXX for the last 24 months and when I applied for a rehab loan it was reported I had a XXXX. I was told by the company there's 20 different reports, I was sent a credit report directly from XXXX and the report was even higher at XXXX. Then once I requested information and later applied for credit the score dropped XXXX points to XXXX. Then I later was refinancing the same home that I was trying to get a rehab loan on and was told XXXX had my score at XXXX. In these months credit score has been all over the place and when logging on to XXXX XXXX I discovered several erroneous findings showing {$90000.00} debt and collections which I don't even have. Somehow its seems retaliatory or vindictive to have my scores assaulted and manipulated to further my business and financial demise since lending and credit is a huge part of advancement and it's unfair and unjust.
05/03/2016	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	WA 984XX	Web
I was contacted by XXXX XXXX XXXX ( sp? ) on XXXX/XXXX/XXXX, regarding an online payday loan that they say i owe for, through a company called River Bend Cash. River Bend Cash has been trying to collect on a payday loan I did not authorize from XXXX or XXXX. I had a rash of online payday loans, XXXX total, that were laudered through my previous bank account. After my bank did their own investigation, they determined that there were XXXX loans deposited into my account over the span of 6 days, only to be withdrawn within 30 to 45 minutes of each deposit clearing. My bank was unable to determine how the deposits were withdrawn as there was no further electronic information. Due to my bank not being able to track where the deposits were moved to, my local authorities told me I did n't have sufficient information to file a police report for fraud and they recommended I shut down the account and move to another bank to avoid any further financial difficulties. XXXX XXXX XXXX is apparently the collection agency for this debt and have informed me that I am to be served with paperwork at my residence or work place. I have yet to see anyone show up at either location to serve me with anythng.
12/10/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 628XX	Web
The original loan was for {$250.00} through XXXX XXXX who has written it off and sold it to XXXX XXXX. Who call me cell phone repeatedly daily, call my work and say they are calling on legal arbitration charges, say they will be at my work or my home within 24 hours where ever they can find me. Stated that they are suing for {$3200.00} from a {$250.00} loan. They are calling anyone they can get in touch with and giving out my personal information, as well as harassing, false representation, pretending they are an attorney, calling from local numbers that you cant call back due to them being disconnected. I have also not received one notification from this company at all showing what I owe, what the original loan was for. I have asked for all of this and I get nothing in return. Stating Ive failed to comply, how am I supposed to comply when I have nothing in writing to verify this is correct. I dont pay people over the phone, I dont deal with harassment over the phone, nor do I deal with frauds. Also their company and phone numbers are plastered all over the internet as scammer, be aware, do not give any information to these people. Their number is XXXX, theyve also called from XXXX
05/19/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	NC 28079	Web
I took the loan out in XX/XX/XXXX to help start a 1099 sales position and immediately following, I was rushed to the hospital with barely a XXXX. I was in the hospital for days and was sick for the remainder of the year. They started reaching out during the spring XXXX to collect and I explained everything that happened. I was going to pay as soon as I was able to return to work. It was transferred to XXXX XXXX XXXX and I spoke with a representative about payment and deletion of this negative information in XX/XX/XXXX. It has been months since I paid it off but it dropped my credit score to XXXX from XXXX. I am trying to buy my home back after doing a quick sale when I was getting separated in XXXX. The man who bought it, was aware of my situation and how my husband stopped paying the mortgage out of spite, and he did so with the intention of selling it back to me once I returned to work and became financially independent. I cant get anywhere with XXXX and I paid it off and closed the account but they didnt delete it. All of my payment history in the past 20 months has been on time since recovering from my hospitalization and I am not getting anywhere with them.
12/10/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TN 38016	Web	Servicemember
I was approved for a loan with 499 % APR. The unfortunate thing is that I am the spouse of an XXXX XXXXXXXX military member. I only recently learned about the Military Lending Act ( MLA ) that caps apr at 36 %. I only found this out by accident because there was an issue with the company stopping my auto-pay ( without my consent ) and then charging me a late fee. I have been paying this loan for a few months now on my pay day as well as an additional lump some I paid early on. I went down a rabbit hole and found out about the MLA. I reached out to the company and told them about the issue. I asked for a copy of the application because I did not remember there being a place where I could check being the spouse of someone that is active-duty, but they refused to send me a copy of the application. At their request, I sent in documents verifying that I a spouse of an XXXX XXXX XXXX member. They have given me the run around and stated that the MLA doesn't protect spouses, only the members themselves. I told them this was incorrect and I did not want to be part of an issue. They further gave me the runaround and said they would " get back to me ''.
07/05/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL XXXXX	Web	Servicemember
After accepting my loan and made my first payment, I attempt to track my interest rate on my great plain account by accessing their website, I noticed that the bi-weekly payments went to interest. The charges became excessive and amounted to only fees outside of the agreed upon amount. I borrowed {$500.00} and have paid back over {$900.00}. The company continues to harass me claiming that I owe them an additional {$2200.00}. for a above the amount that I have already paid back for a {$500.00} loan. Prior to receiving the loan I was not allowed to view the full agreement I 've tried to view the loan agreement at the company 's website but they will not allow me to see agreement I can only view the payment history which. I wish to be released from this fraudulent agreement. I can not phantom that an {$500.00} loan will cost {$2000.00} to repay. This is not a fair deal and I 've been scammed. Since I have already paid more than the amount I originally borrowed I would like them to consider my account paid in full and close my account. I would also like them to make ... corrections to my credit report saying the loan was paid satisfactory.
03/30/2017	Yes	Payday loan	Charged fees or interest I didn't expect	LA 707XX	Web
I was n't able to keep up with payments on the loan ( paying full amount of money loaned to me plus {$55.00} interest bi-weekly ) and was in the process of filing bankruptcy. The loan company ran my check through which was returned non payment to them so they turned it in to the District Attorney 's office for worthless check. this check was for payment of a payday loan which should not be considered a criminal charge. I received a 10 day demand letter to pay the loan in Full {$350.00} plus {$25.00} NSF Charge plus {$120.00} statutory fee ( DA fee ) plus certification fee {$6.00} for a total of {$510.00} by DEMAND LETTER to be paid within 10 days of receipt of the letter. When the creditor submitted the application for the worthless check claim to the DA 's office they stated that they sent me a 10 day notice of payment demand via certified letter but I never received a notice from the creditor ( Island Financial ). The check should not be considered a criminal charge since it was a pay day loan and instead should be a civil charge. I have n't been given proper notice to pay the said debt with additional fees in a short period of time.
06/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	KY 423XX	Web
I tried to get a loan. When their instant verification system failed, I tried to chat with them to fix the issue. I was kicked off chat 5x. I finally called in and was told that I needed to email in 3 months of bank statements. I did, checking my sent emails to make sure all 3 were attached. I called in again and was told that I only sent in 1, that I needed to send in all 3 again. I did and was told they still only got one. I told them that I checked my sent emails AGAIN, and all 3 were sent. I told them to forget it, that if it was that hard to get a loan from them, I didnt want it. I asked for my information to be deleted and to be unsubscribed from everything. The guy said sure. I KEPT getting emails and calls. I then got an email that my loan had adverse action and they wouldnt give me a loan- after I ASKED it be deleted. Then I went online and unsubscribed AGAIN. I thought it was over, but just this morning, I got ANOTHER email saying that if I didnt take action, my application would be deleted on XX/XX/15. This after Id spoken to a rep asking for everything to be deleted AND unsubscribing online.
07/17/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	AZ 85258	Web
During XX/XX/2020 Target Cash Now had approved a loan application claiming they spoke to me on the phone. I have phone records that prove otherwise. The fraudulent loan application contained my stolen identity ( name, address, social security number ) as well as a false or someone elses drivers license. The employment information is false. The email address supplied has been inactive for years. The XXXX XXXX XXXX account specified in the loan application is not mine. I have spoken to Target Cash Now agents multiple times, sent emails with police incident number, FBI IC3 report, FTC ID theft reports. My first email was sent in XX/XX/2020 which was followed by a USPS mail of the same material ( return receipt received ). I have never received a response from them nor have I received the loan number and the loan documents for my investigation into this matter. Each time I call for an investigation update, their agents dont have an update. Since XX/XX/2020, a second set of documents was both emailed and sent by USPS mail during XX/XX/2020 containing my personal investigative findings.
08/22/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	OH 45040	Web
I started the loan on XXXX/XXXX/XXXX and did n't really understand what I had gotten myself into I took the loan out for {$390.00} and they have been taking a payment in the amount of {$110.00} every 2 weeks. I have been contacting the company since XXXX/XXXX/XXXX to get the payoff balance since then. I have called for over 3 weeks. I also asked them to not take any more money out of my account as I was trying to pay it off in because there is no penalty for paying it off early. the answer I get is that the system is down and it still down. Now in the last week and a half they do n't answer and want you to leave a voicemail but do n't return calls. I had to go to the back and pay {$25.00} to get the unauthorized charges after I told them to stop taking money from my account since I was paying the account off. This has a 730 % interest rate. I think that this might be a scam. The systems are down they are able to take money from peoples accounts for the payments. They are still able to start new accounts but they are unable to allow you to pay the account in full.
08/18/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 171XX	Web
In and honestly XXXX move I was in desperate need of a loan and I did n't have much time to secure the funds. I blindly took out a loan from XXXX XXXX XXXX for an amount of {$200.00}. The monies were credited to my banking account on XX/XX/XXXX. Since XX/XX/XXXX I have paid XXXX XXXX XXXX a total of {$980.00} with 8 payments still remaining of {$56.00} every two weeks. This means that I will have paid them back in full at a rate of 749.98 % with a monetary value of {$1200.00} on a {$200.00} loan. Since the Inception of this loan I have been informed by a very close friend who is employed by the Attorney General 's office of Pennsylvania The Honorable XXXX XXXX that online /payday/ tribal loans are illegal in the state of Pennsylvania where I reside. To date I have paid the loan back almost five times over the initial amount. In my opinion I feel it a fair resolution to this situation is that the loan be considered paid in full because in reality it has been many times over. Even if I were paying 50 % interest the total amount payback would only be {$300.00}.
08/10/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL XXXXX	Web
Yes I do believe this is with the same company XXXX XXXX, I spoke with several representatives from the company explaining that I am unemployed, no income and that I am unable to pay any monies. I am sick, this is stressing me out and this company has repeatedly been harrassing me calling my cell all times of morning, evenings, and even at nights when I have asked them not to, calling me from various numbers and with different persons name, now I get home and received a threatening email from this person : XXXXXXXXXXXX, XXXX XXXX with Cash Advance, threatening to sue and serve me a supeona and even threaten to call my job, what job, I told them I am not working, I need something done about this, telling me I will be serve at my door. Attached is the email that I received, I can not afford any attorney or do anything else at this time, I have no money. Is there anything that you can assist me with in contacting this person, this is brutal harassment, I realized that there is a bill I owe, but things happen beyond your control, and there is nothing I can do.
02/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 841XX	Web
These people have harassed me for years!! I believe it's the same people, they just keep changing their fake business name, but when I speak with them I always recognize the voices from before. They're so demeaning and verbally assaulting. They call and say I owe a debt, always, but this time, they claimed if I did not pay the debt over the phone, via credit card or prepaid card, the amount I owe would triple. The " debt '' is never valid, never real. They threaten that a process served would come serve me if I do not pay immediately, but I never get served. The scariest thing is that these people have my address! They've harassed me with countless phone calls and voicemails, they've called all of my family members and frightened them. These people have gotten away with this for years, and I just really hope they can get sued one day for all of the money they've taken from their victims over the years. I've never paid them, but they use scare tactics that I'm sure work for them over and over again, which is why they've been doing it for so long.
03/04/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OK 731XX	Web
On XX/XX/2019, I took out 2 payday loans, one from Bright Lending and one from Green Trust. I have taken payday loans before and did not fully look over the agreements, thinking this one would be similar to ones I'd gotten before. I was dead wrong. The interest rates are criminally high at 674.96 % APR and 674. 99 % APR for each respectively. Also, these two different companies are both located on the same reservation XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX, so I'm pretty sure this is a scam for tribal payday loans. Basically, I got very sick recently with my XXXX XXXX XXXX and needed money. Looking back now, I don't know how they approved me because I already had out two previous outstanding/unpaid loans. This is over my state 's ( Oklahoma ) limit for the number of loans you can have out. So I don't think they verify anyone 's ability to pay : they're just trying to trap people in long-term, insanely high-interest loans. I'd like to see first if all of this is even legal before I try contacting them to sort anything out. Thanks for your help
09/12/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	PA 186XX	Web
I 'm not sure if this is where I make this type of complaint, however, I have been receiving calls threatening me with a lawsuit that I received an online payday loan and never paid it back. I never received the loan at the time and this was 6 years ago. I applied for a loan online, but decided not to accept the terms. I canceled it, but my account was still debited {$99.00}. I went to my bank and they reversed the transaction and issued a new checking account to me. A few years ago, I received threatening calls stating a similar scenario that Legal action was being taken against me for non-payment of a payday loan that turned out to be a scam. During the current call I received, the representative stated to me my full social security number, phone number, birth date, and address. I am afraid I will be a victim of identity theft because after I accused the representative of being a scam artist, he became hostile stating " good luck in court, you 're going to jail. Just wait and see what happens. '' Please let me know what I can do about this!
05/08/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MD 21117	Web
I called on XX/XX/XXXX to find out what my payoff balance was for my {$600.00} loan and was told that it was {$810.00} and that was totally surprising to me because I've already paid 5 payments of {$130.00} ; my payments are biweekly. I asked why was my payoff balance that high and was told that only {$48.00} was going to the principal and that {$92.00} was going to interest and fees. Initially I thought I was told that my interest rate was 25 % but was shocked by the fact that it was 625 %. I was then told that I could increase my payment amount and that would lower the amount that was owed. I reached out to XXXX XXXX again regarding the extremely high interest and told them that that was against the law in Maryland. I stated that the most that can be charged per year according to your website is 24 %. The representative ( XXXX ) told me that because XXXX XXXX is a part of an XXXX community that our laws does not apply. I really need to pay this off but without the interest rate being lowered, appears it will take almost a lifetime.
03/30/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AL 360XX	Web
Starting receiving calls from out of the blue from this company, XXXX XXXX XXXX, from a guy named XXXX XXXX in XX/XX/XXXX, regarding a payday loan that was supposedly taken out in the amount of {$300.00}, from Riverbend Cash in XXXX, which is now out of business. I asked for written proof of this debt and was sent an email from a XXXX XXXX through XXXX sign, stating that the loan was sold to several different companies, none of which appear to be real companies as I did searches to locate. They want me to sign this. The only way I could get anything in writing was to tell them I would possibly pay them if I got proof. This company also does not appear to be a legitimate company and I have found many spam alerts regarding them. They have threatened to take me to court for fraud and told me I would be charged with a felony. They have called family members harassing them as well. I have told them to take me to court if they feel that it is necessary and to stop calling. Still receiving calls from them, but now from a blocked number.
03/04/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 30127	Web
Due to unfortunate circumstances, ( my grandparents passing away from XXXX and being my sole providers. ) I was desperate and needed help with bills. I do not have a lot of credit to my name and was trying to a loan to help pay for my car insurance. A website took me to BrightLending.com where I was prompted that I was approved for a loan of {$500.00} on XX/XX/2020. I of course unknowingly accepted the loan unaware that the APR rate was 692.2058 % and will be paying 42 payments of {$72.00}. I was charged {$72.00} every Friday out of my check but I realized that every time I paid the {$72.00}, the loan was still in the {$500.00}. I then checked the loan agreement to see the that my rate was so high and at the end of this loan I would have spent {$2900.00} to finish this loan. This loan has caused to me struggle to pay my bills. I have called their customer service and no response. Also previously stated that my rate was 692.2058 %, I read further into my agreement that the fixed rate per year on the loan is 734.0224 %.
01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33756	Web	Older American, Servicemember
XXXX XXXXXXXX is a loan company that says I took out a loan in about XXXX. They said now it is in default and out for collection. Since XXXX I've NEVER ONCE heard of t his debt. I asked them for a copy of my signature to verify it is mine but they don't respond. On XX/XX/XXXX I asked them for my address on the loan to verify I lived there. They said they couldn't give me that for " Security Reasons. '' They did give me access to my account data to verify it is mine and when I entered their key, it came back as " invalid. '' In another email on the XXXX it came back " Blocked. '' I looked at their website and it has a big warning from XXXX XXXX XXXX XXXX On XX/XX/XXXX I wrote the Office of the Attorney General in Montana. On XX/XX/XXXX I received a call from the Office of the Attorney General. They view this as a scam and told me not to send any info or money. I haven't. They then gave me your number to report them. The company is called Target cash Now. Their address is XXXX XXXX XXXX, XXXX, Montana. Thank you..
06/03/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	KY 42301	Web
I applied for the loan and was approved at the beginning of XXXX ( XX/XX/2021 ) The money was deposited into my account for the total of XXXX into my bank account through direct deposit. I was not informed that the apr would be 499 % Nor was I able to print the fees, and paperwork from the agreement. The gentleman on the line was continually pressuring me to sign while I attempted to read the agreement. When I opened the portal for the loan to see what my monthly payment would be ( I was not informed of that either ) I found out it would be XXXX a month. I wasn't sure why it was so high. I called with the intent to defer the first month and the customer service gentleman then told me my apr was 499 %. When I told him it was outrageous he did not offer any solutions and would not attempt to help me in any way with this. The loan currently before any payments have been made stands at the balance of XXXX. This is set to go up at 499 % each month. There is no way anyone can pay this exorbitant amount.
11/10/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 270XX	Web
I applied for a {$1400.00} loan from target cash now. The payments were set up to be deducted every 2 weeks from my bank account and I could pay my loan off or down with no penalties or fees. XX/XX/XXXX was my first payment of {$290.00}. I also paid {$500.00} to my principle therefore lowering down my loan balance. Once the {$500.00} payment was applied they did not remove that amount from my outstanding loan balance. Instead they only took out the {$58.00} from the initial {$290.00} payment leaving a loan balance which they are charging me like 700 % interest on as {$1300.00}. Clearly this is wrong and I have called and emailed with no help. The last time I expressed I wanted it in writing they told me to call their customer service. I have specifically asked them to give me the breakdown via email so I fully understand why they are charging me interest on the wrong balance with bo luck. I feel I have been scammed. Thanks for your help. I can forward email conversations if requested.
09/21/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	WI 537XX	Web
I was advised that I was approved on Friday XXXX/XXXX/2015. I had to call back to provide my debit card number. I was assured I was approved on Friday and when I called back on Monday, I was again assured that the loan was approved. However, no funds were deposited on Monday XXXX/XXXX/2015. I asked for my bank balance and the loan was denied after giving my bank balance after underwriting was contacted. 1. My loan was approved on Friday. 2. My balance has nothing to do with an underwriters decision from Friday but denied today. 3. As a result of their actions, I am in deeper debit by - {$640.00}. 4. I asked why was n't I informed of this deicision before now? He had no comment. I asked for a review of this decision but I was denied. The manager refused to give me anything other than his first name : XXXX and stated he will send me an email by XXXX. I signed a contract by eform and the loan was approved but the leader refused to issued to loan or pay for the fees resulting in misinforming me.
11/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79109	Web
I believe my personal email was hacked on or about XX/XX/2021. I usually recieve about XXXX emails a day, then I received about XXXX. One of the emails was from Bright Lending/XXXX about an effort to collect a debt. I have no outstanding credit issues that would be in collection. I called Bright Lending and told them I have received an email from them in error and I had no debt in collection. They requested my social security number, address and other information that I refused to provide. I asked how to dispute the error and I was directed to their webiste. I disputed the claim. On XX/XX/2021, I received an email and attachments from them indicating I owed them {$2700.00}. The attached documents include an what looks like a loan form for {$800.00} at 666 % interest, now due. There is a loan document with my name, address, and cell phone number and with no signature. I responded to the email and indicated I would continue to dispute. I did not enter into any agreement with Bright Lending.
06/27/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MD XXXXX	Web
I originally took out this loan due being short on the rent because my daughter lost her job the amount of the loan was 450.00 after making several payments I call to check the balance which I have paid around 1200.00 or a little over I was informed to go to the website only to find out the interest is 549.99 % I will be paying back something like 4500.oo on 450.00 is this constitutional or even legal I must have been delusional when I agree to these terms there's no way in the world I would pay this kind of money back on {$450.00} nor can I afford to currently I am XXXX and using a PO box and living from place to place whoever let me spend the night plus I have health issues I'm on XXXX XXXX I can't afford this therefore I have instructed the bank to stop allowing the withdrawals from my account I would greatly appreciate any type of assistance that I could get in this matter I originally l borrowed {$450.00} I've already given them {$1200.00} back I think that's more than fair.
06/11/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	NE 68005	Web
I had been looking at my options online for a personal loan but never actually applied for one. The next day I had a flood of emails and text messages from numerous companies. Target Cash Now had sent me a link to see how much I was approved for on XXXXso I clicked on it to see how much the loan would be for not knowing that it would be an actual signature to a loan ... very tricky and not fair. The amount of the loan from them was {$700.00} and the amount owed is currently {$1200.00} as of XX/XX/21 and accruing daily. I called them to explain that I did not apply for this loan and that my banking account is now froze due to fraudulent activity because two companies, including Target Cash Now were involved according to my bank manager. I did make a police report but am still awaiting word on the investigation. The fraudulent activity was the checks sent in were not legitimate. Target Cash Now never asked me any qualifying questions ... income, personal, nothing at all.
10/05/2016	Yes	Payday loan	Charged fees or interest I didn't expect	MD 20910	Web
I saw a XXXX XXXX commercial on television for a payday loan. I borrowed {$1500.00} from GreenLine Loans in XXXX 2014 to meet my XXXX XXXX, 2014 Federal Tax extension. I made XXXX payments. The first XXXX were scheduled for {$99.00} each. This was every two weeks. On my XXXX scheduled repayment day, I asked to pay off the balance in full. I ended up paying {$2200.00} to settle the debt that was less than 30 days old. They charged me {$750.00} in finance charges and did not disclose that to me when I made the loan. My weekly payments were as follows : ( emails from Greenline ) XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. {$750.00} finance charge for a 30 day loan of {$1500.00}! Customer Service Greenline Loans XXXX XXXX. XXXX XXXX XXXX, MT XXXX XXXX
02/04/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	NV 89117	Web
On XX/XX/21 Bright Lending deposited {$1000.00} into my bank account for a loan I never applied for. I contacted the company and they stated that I had applied for the loan today. I did not apply for a loan and explained I never signed anything or applied. Furthermore, why would a company deposit anything into my account without verifying my employment or the state I live in? I further explained I was contacting my bank, having that deposit reversed and they would be blocked forever from my bank account. What it seems like to me is that this is their way of trying to make money, depositing unauthorized funds into an account and then charging you a ridiculous amount of interest if that transaction goes unnoticed and/ or spent. Again, I haven't authorized and/ or signed any agreement with them. My bank is handling this and I am also notifying the Attorney General. Makes me wonder how many other people they have done this to. I am also contacting a lawyer.
12/02/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MI 486XX	Web
I received a call from XXXX XXXX XXXX XXXX, for an unpaid payday loan. He told me that I had been contacted several times for the unpaid debt, e-mail, and mail. I have received no e-mail, or mail concerning the debt. He told me that the parent company is going to press charges, he had my social security number. He also said that he would be contacting my places of work, and most likely will have to pay the court restitution of over five grand. I might even be put in jail. He would not give me a copy of the so called " affidavit ''. He told me that I would have to get a criminal attorney, because instead of suing me, the " company '' is going to press charges for fraud and theft. He also yelled at me for " crying '' /being emotional when he first called me. He called me 3 times in the past month. He called from a New York number : XXXX. His name is XXXX. He also said that he would be investigating me further, and contacting my employers as well.
07/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 310XX	Web
Good morning, I took out a pay day loan with a company called Bright Lending out of Montana which isXX/XX/XXXX owned for {$500.00} but with all the interest it climbed to {$1800.00}. When I took this loan out I was financially stable but that quickly turned around and I had to ask for a hardship settlement. When I contacted there company with my circumstances they turned me over to a collection company who did allow me to set up a payment plan with me only owing {$910.00}. Today I called the collection company XXXX XXXX to find out why they didn't take my payment and I was told to contact Bright Lending that they no longer was handling my account. I don't understand how you can set up a payment plan with me then not honor it. I feel like I was scammed but then again not because they did lend me {$500.00}. Please advise what I need to do in this situation. Thank you XXXX XXXX XX/XX/XXXX # XXXX Bright Lending- XXXX Email XXXX XXXX
04/05/2018	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	AZ 85712	Web
I have been receiving threatening phone calls where the person impersonates a warrant officer. She has called my parent 's and brother on their cell phones and impersonated being a warrant officer. She claimed that she served me a warrant over the phone by leaving a voicemail. These calls have occurred daily since XX/XX/XXXX through today ( XX/XX/XXXX ). I've tried to call the numbers back - each time she calls she uses a different number from a different state - when I try to call back the line is " not active ''. I've also received 2 emails, XX/XX/XXXX and today XX/XX/XXXX, that state I will be charged with " Violation of federal banking regulation act 1983 ( C ), Collateral check fraud, and Theft by deception ( ACC ACT 21A ) '' if I don't email back within 24 hours. They don't give a phone number or a company name. The email is signed by : Senior Investigation Officer ( US ), Department-Laws & Enforcement, United States.
05/25/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	MA 01801	Web
I took out a payday loan a couple years ago. I fell behind or changed banks and missed a payment. Last year, I was contacted by letter or call to pay off {$210.00} to close the case. I paid that debt and even received a letter from North Cash in XXXX XXXX to say they received my payment and case is closed. Now a year later, i have been getting emails starting on XXXX / XXXX / XXXX to settle the account. I have emailed to say account is swttled since last year and even gave date and check number ... Last thursday XXXX XXXX , I spoke with someone after getting voicemail about debt.. The guy said he was referring the case to supervisor and wanted me to fax over the letter. I said no as it should be in the file since it was their letterhead. I told him that they were harassing me for debt which was paid and if they contacted me again, I will file a formal complaint as I no longer owe the debt for a bout one year.
01/03/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IA 502XX	Web
The company debited my account one day before each agreed payment day, causing my account to overdraw. When I called them to correct the payment dates, the refused to work with me. The loan agreement was NOT available ( link was broken so i never got the agreement ) and when I finally demanded it and got it I saw that they were charging me 674.9825 % interest which amounts to a {$2300.00} loan fee with total payments of {$2800.00} on a {$500.00} loan. Iowa has a maximum loan term of 31 days and a max rate of 337 %. When I mentioned that to them, they told me that the laws don't apply to them. I have already paid the company {$890.00} and when i asked my payoff amount, they stated it was {$560.00}, more than the original loan. I send them a deauthorization notice and notified my bank. I'm also making complaints at the XXXX and the FTC and anywhere else I can think of. These thieves need to brought down.
07/26/2016	Yes	Payday loan	Applied for loan/did not receive money	TN 38506	Web
Says Case file # XXXX. Email from XXXX XXXX from XXXX XXXX XXXX XXXX. Says I owe for a loan that I did not accept. I was trying to see how much I could get, but did not accept the loan and never received the money. My bank also verified that I did not receive any money. They do have all my info. But I did not receive the money and they keep trying to get me to pay for money I did not receive and saying that I will have to go to court if I do n't pay. Says he has all the proof he needs, but as XXXX is my witness, I did not receive the money, I only applied to see what I could get. All I know it as is Cash Advance. This man says he is from the financial crime investigating department attached XXXX Government. I have never received anything in the mail regarding any information about this or from the loan that I supposedly took out in writing by mail. Only email threats to pay for something I did not receive.
03/01/2017	Yes	Payday loan	Charged fees or interest I didn't expect	NC 273XX	Web
I received a payday loan in XXXX of 2016. I borrowed {$200.00}. I was sent a contract ostating I had to payback {$68.00} every two weeks. I called a month ago asking about my loan amount and they told I had a second loan which I have no record of and there is no record when I login on their website. They have been charging {$120.00} every two weeks since XXXX. When I asked them to send me a contract where I had borrowed from them injure they sent me a XXXX contract again. I feel I have been taken advantage of because high interest payday loans have been prohibited in North Carolina. I am paying 708.08 % interest. Not to mention they have failed to provide me with a contract and there is no record of a XXXX contract on their site. There is no way you should be making on time payments to accompany and your payment amount is not decreasing nor is your principal decreasing over a years time.
03/13/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	MI 49221	Web
I received a loan in the amount of {$850.00} and by the time the loan is paid in full I will have paid 8 payments of {$270.00} for a total of {$2100.00}. Per the State of Michigan Department of Financial Institutions the organization XXXX XXXX is not licensed to provide loans in the State of Michigan. Since this organization violates state and federal usury laws I do not feel that I am obligated to repay any amount over the principal borrowed which I have already repaid. Despite this organization providing illegal loans I have attempted to contact them to delay a payment 3 days from XX/XX/XXXX to XX/XX/XXXX and have been not only denied but threatened with immediate collection activities if I pay later than XXXX XXXX. on XX/XX/XXXX. This company is threatening to harass me when I am clearly attempting to pay this loan in full despite it being an illegal loan in the State of Michigan.
10/04/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	NV 89012	Web
Filled out an online application with a company called NORTHERN PLAINS FUNDING, I was then sent a series of pre-approval emails ( XXXX ). Opened the emails to find " YOU ARE APPROVED-sign your loan documents for money to be deposited next day ''. I did not sign them right away as I wanted to wait and see if I could cover my bills without having to take out the loan. 2 days later I signed the paperwork electronically and submitted. The following day I get a call from the North Plains Lending saying that they need to do a verification process with me regarding my employment, banking, etc. I asked why they had me sign loan documents before doing this and she said this is our process ... .this is not a good process as they have asked me to sign documents saying I agree to all their crazy terms and to doing business based on a reservation, etc. and then they do n't even have you approved.
10/20/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IL 60608	Web
On XXXX XXXX, I was given a payday loan from north star finance llc/north cash for XXXX dollars.. In my state of XXXX XXXX loan lender has to be licensed with the Illinois department of XXXX to give payday loans but this company is not licensed in the state of Illinois to give XXXX payday loans therefore making this loan illegal under Illinois XXXX XXXX XXXX XXXX XXXX of the payday loan reform act ... XXXX XXXX XXXX charged XXXX annual XXXX on the loan which is in violation of section XXXX of the Illinois payday loan reform act which XXXX loans can not charge more than XXXX per XXXX dollars loaned as interest.. as of today 's date I have paid XXXX dollars on this illegal unenforceable loan in the state of Illinois per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX which states this company has no right to collect, receive and principal, interest or charges related to this loan.
04/24/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OK 731XX	Web
On XX/XX/2019, I took out a payday loan from Green Trust. I have taken payday loans before and did not fully look over the agreements, thinking this one would be similar to ones I'd gotten before. I was dead wrong. The interest rates are criminally high at 675 % APR. Basically, I got very sick recently with my XXXX XXXX XXXX and needed money. Looking back now, I don't know how they approved me because I already had out two previous outstanding/unpaid loans. This is over my state 's ( Oklahoma ) limit for the number of loans you can have out. So I don't think they verify anyone 's ability to pay : they're just trying to trap people in long-term, insanely high-interest loans. The more I looked, it seems like this a " tribal payday lending '' scam. I'd like to see first if all of this is even legal before I try contacting them to sort anything out. Thanks for your help
02/05/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NJ 08054	Web
I am a single mom with XXXX children, and I am a XXXX XXXX. I needed money for an emergency. I borrowed {$400.00}. I made my weekly payments faithfully for {$56.00}. They confirmed they received 12 payments of {$56.00} from me. When I called to payoff the loan the payoff amount I was quote was {$440.00}. I only had the loan for approx three months and I was charged over {$1000.00}. When I asked why I was charged so much they said it doesnt matter interest accrued everyday. This is the amount we are legally allowed to charge you. Your payments went towards the interest. It was pointless arguing so I just decided to file a complaint. In addition I never got an email with an attachment on how much my interest is or payoff amount will be. I had to call to get my loan number. No loan documents were given to me at all. Just an email stating I will be getting the funds.
08/26/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NJ 079XX	Web
I was told that I was pre-approved for a loan of up to {$1000.00} and when I applied I was approved for {$500.00}. I signed at the prompts and received the money, however I havent been able to speak to anyone about how the money is being taken from my account. The amount I received and the amount that they expect me to pay back is ridiculous and I had no idea until I XXXX them and found the website with the link to log in to the website. I was able to pull up the documents of the agreement and the amount they said they gave me was more than what they gave me and the amount and period they want me to be obligated to them for is crazy. Can someone please help me ... I am a single mom that works hard and try my best to make ends meet, I dont need to be scammed out of the few pennies that I have left over after paying the bills to sustain my family.
08/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TN 377XX	Web
I had borrowed {$650.00} in XXXX of 2023. A payment arrangement of {$150.00} every two weeks is taken out by direct deposit. After XXXX months of payments I contacted Bright Lending. I had a previous loan with them that I paid off the year before. I paid that loan off early. If I were to keep making the biweekly payments, I will have paid {$3200.00} by the end. I tried to call and settle the loan. They wouldnt allow me to pay off the loan while there was a pending payment. After that payment processed, my balance increased. I reached out again and they told me I could pay {$750.00} to pay off the loan. I asked if I could split the final payment off, pay half or more now and pay the rest when my next payment would be made. They would not allow that. They are a predatory practice preying on desperate people in this time when many are struggling.
01/30/2017	Yes	Payday loan	Charged fees or interest I didn't expect	MO 63118	Web
I INITTIALLY TOOK OUT A XXXX DOLLAR PAYDAY LOAN WITH XXXX INTEREST PAYMENTS EVERY TWO WEEKS. ON THE 4TH PAYMENT I DID A PRINCIPAL REDUCTION PAYMENT PLUS INTEREST. XXXX PLUS THE XXXX. WAS TOLD THAT THE PAYMENTS WOULD BE LOWERED. THEN WHEN I CALLED TO FIND OUT WHAT THE NEW PAYMENT AMOUNT AND/OR PAY WOULD BE I WAS TOLD THAT I WOULD STILL BE CHARGED THE XXXX NO MATTER WHAT THE PRINCIPAL WAS PAID DOWN TO.. WHEN IN TO LOOK AT MY CONTRACT AND IT HAD BEEN REMOVED. ASKED FOR THEM TO SEND ME A COPY AND THEY WOULD NOT.EVEN THOUGH I WAS TOLD THAT MY PAYMENT WOULD BE XXXX I WAS TOLD THAT TO PAY THE LOAN OFF I ONLY HAD TO PAY XXXX INTEREST AND THE THE XXXX REMAINING PRINCIPAL. AND THAT I SIGNED UP FOR XXXX PAYMENTS OF XXXX ... AND IF I DIDNT PAY IT OFF, EVEN THOUGH I HAD ONLY MADE XXXX PAYMENTS I WOULD NOW OWE ONLY XXXX PAYMENTS OF XXXX TO PAY THE LOAN OFF.
12/29/2016	Yes	Payday loan	Charged fees or interest I didn't expect	WA 981XX	Web
Applied for a pay day loan {$500.00}, offered XXXX at the rate of 780 % how is this allowed in the USA??? Unsecured Personal Installment Loan by Northern Plains Funding Agreement Date : XXXX/XXXX/2016 Loan # : XXXX Northern Plains Funding , LLC Northern Plains Funding XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX PLEASE TAKE A MOMENT TO REVIEW THIS LOAN AGREEMENT CAREFULLY. YOU WILL BE REQUIRED TO ELECTRONICALLY SIGN IT. YOU WILL ALSO ELECTRONICALLY SIGN AND DATE THE PAYMENT CHOICE AUTHORIZATION. Loan # XXXX ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. FINANCE CHARGE The dollar amount the credit will cost you. Amount Financed The amount of credit provided to you or on your behalf. Total of Payments The amount you will have paid after you have made all payments as scheduled. 780 % {$3300.00} {$500.00} {$3800.00}
03/23/2016	No	Payday loan	Can't stop charges to bank account	CA 91942	Web
So I took out {$320.00} from northern plains funding and before taking out any money I asked if there was any interest fee they said I did n't have to pay interest if I did something called a pay down. Which is longer term of payments but cheaper price. So instead of paying {$97.00} a paycheck, I would only have to pay {$10.00} a paycheck for a longer amount of time. I 've already paid up to {$320.00} of payments to them and they are still charging me {$97.00} a paycheck. I can not afford this any longer and it 's really beginning to stress me out. They told me I still owe about {$400.00} more! I 'm only XXXX XXXX XXXX and I obviously do n't have a high paying job to be able to pay them over {$700.00} worth of funds. I think that 's a rip off! NORTHERN PLAINS FUNDING should be shut down for misleading me into their schemes!!!
08/17/2016	Yes	Payday loan	Charged fees or interest I didn't expect	OK 73132	Web
I recieved a {$500.00} loan from a company called NorthCash on XXXX/XXXX/2016. Loan agreement had me do first payment of {$120.00} and XXXX payments of {$170.00}. So far I made XXXX payments. Since Northcash is not licensed in the State of Oklahoma the loan is illegal! On XXXX XXXX, I sent a letter to Northcash stating that they are not licensed in Oklahoma and I 'm willing to pay the principal of the loan which I owe {$35.00} since i paid {$460.00}. Hours later I received an email from Northcash stating as a courtesy, they will wave all fees and interest and I owe only {$35.00}. A few hours later I received an email from Northcash stating that I have a balance of {$410.00} and I can do XXXX payments of {$130.00}. I called and talked to the representative and she claims because if my age I do t know what I 'm talking about!
05/26/2015	Yes	Payday loan	Can't contact lender	TN 379XX	Web
In 2012 I borrowed money from Spot on Loans and paid them in XXXX months later. They did auto withdrawals from my checking and I have the bank statements for proof this paid. Now I am getting collection agency calls to collect on this same account or rather same date of service, and that is the only Payday Loan I made on this date of service.. phone number XXXX XXXX XXXX and another collection Agency last week from phone number XXXX, XXXX. I explained this account paid in full previously and they always send it to another agency. They not only call my number but have found other people in my family their phone numbers. So I ca n't block them. It was my miss fortune to have to borrow from a PAYDAY loan company but I paid it in full. Now it seems that was not enough. I want them to stop calling me.
02/10/2017	Yes	Payday loan	Charged fees or interest I didn't expect	PA 178XX	Web
I took a loan from " Northern Plains Funding '' for {$500.00}. The monies were credited to my bank account on XX/XX/XXXX. From XX/XX/XXXX, I paid a total to them of {$1500.00}. On XX/XX/XXXX, when inquiring about my loan balance, they " offered '' to refinance the " current principal balance '' of {$490.00}. I agreed, with the intention of lowering the bi-weekly payment amount. So from XX/XX/XXXX to XX/XX/XXXX, with bi-weekly payments of {$150.00}, only {$6.00} had been applied to the principal. Since XX/XX/XXXX, I have paid a total of {$1200.00}. That brings the total amount paid to {$2700.00} on a {$500.00} loan. I have since realized the online/payday/tribal loans are illegal in the State of PA where I reside. I have obviously paid this loan in full 5 times over- plus some.
02/26/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CO 80127	Web
I applied for the payday loan on XX/XX/XXXX for the amount of {$600.00}. The {$600.00} was deposited into my account on XX/XX/XXXX. I have been charged {$180.00} every two weeks beginning XX/XX/XXXX. I called today, XX/XX/XXXX to pay off my loan only to be told that amount owed would be {$720.00}. I explained that I have been paying the {$180.00} every two weeks and I'm paying off this loan two months after receiving it, there should be no way that in order to pay it off I would have to pay {$120.00} over the amount I initially borrowed after paying the {$180.00} since XX/XX/XXXX every two weeks. I explained this is almost illegal and that I would be reporting them. They sent me an email stating that because it is a tribal loan that they have a right and I signed off it.
07/13/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	GA 30052	Web	Servicemember
I was prepared for a catch advance loan of up to {$750.00} up to XXXX and {$50.00} I have had 4 previous cat advanced loans and via 's cat advanced loans in the past and I have met all requirements for the past and I have met all requirements for the prior approval I have they have never been late or defaulted and it took end as of now II am cold member which allows my remember which allows my apr to be lower Even though I prequalified it was pretty cool for up to {$750.00} I will up to {$750.00} I was denied alone because of my equipment own because of my XXXX credit report being frozen report being frozen upon my request which I lifted for the application lifted for the application and was still never was still never received the money that I was approved for
07/22/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 71112	Web	Servicemember
I was in a bad spot I needed to hire a lawyer. So I looked online for loans. And I found this one. It was for {$500.00}. I knew it was high interest. I expected to have to pay 130 something dollars a month for a year for a {$500.00} loan. Which I know sounds terrible. But I needed the money to pay for a lawyer. It was an emergency. The first payment came out from my checking account. I get paid every two weeks. So I figured the next payment wasnt due for a month. But when I got my next check it was taken out of that as well. So they are taking almost {$300.00} a month for 12 months for a {$500.00} loan. I cant afford that. I ended up having to close my checking account. And Im pretty sure what they are doing is illegal. Definitely a predatory lending company
03/03/2017	Yes	Payday loan	Charged fees or interest I didn't expect	NJ 07724	Web
I received a payday loan from West River Cash for the amount of {$350.00} and after 1 payment of {$120.00} and another 3 for {$100.00} that the principal only went down to {$340.00}. The representative informed me to pay in full it would be over {$400.00} after paying them {$430.00}. They have me on an 18 month repayment cycle of {$100.00} a paycheck. The representative could n't answer why I would be paying roughly {$1800.00} for a {$350.00} loan. The representative, XXXX, said I have been making the minimum payments whereas the {$120.00} payment only affected the principal by XXXX cents. They only thing XXXX mentioned to me was speaking to an account manager and I did n't want to receive any abuse or harassment of any kind by an account manager.
09/20/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NM 871XX	Web
I took out a loan on XX/XX/22. I borrowed {$1000.00}. This place is taking {$360.00} each month out of my XXXX check. They have taken {$730.00} already. There is supposedly no penalty to pay the loan off early. However, the website lists my principal balance as {$930.00}. And the payoff amount is {$1200.00}!!! Meanwhile, NO ONE ANSWERS the phone at this company. I can not pay my bills with this place taking half of my income. I only receive {$840.00} each month. I want and need to be out of this situation. I am not paying this place three times the amount I borrowed and then some simply because they refuse to accept my calls. I borrowed {$1000.00}. Technically I should only owe {$300.00}, or less. But I will pay the {$930.00}. Only the {$930.00}.
02/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 610XX	Web
I was in a pretty desperate situation and took out a loan for {$1500.00} with target cash now. I had previously had a loan with them and the loan payment was quite a bit less. So, to help pay my bills I took out a second loan with them. For a loan of {$1500.00}, I now have a payment of {$490.00} every two weeks. I will be paying back approximately {$8000.00} on a {$1500.00} loan. This is putting me into a worse situation than I was in before and I am desparate to get some relief and be able to get current and stay on top of my monthly bills. I dont know what to do to get myself out of my current situation, but I feel like I am so far under water that my situation will keep getting worse. Please let me know what I can do to solve this situation.
12/30/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	SC 291XX	Web
I foolishly in desperation took a payday loan with an online tribal payday loan company. I borrowed {$500.00} and the interest rate and payments are astronomical. I live in South Carolina where the limit is {$15.00} per {$100.00} borrowed. On a {$500.00} loan I should have to payback {$570.00}. I have mailed my first payment of {$140.00} as I revoked this company 's ability to debit my bank account. My remaining balance should be {$430.00}. The payment of nearly {$300.00} per month is excessive, predatory and pure greed. I will pay {$50.00} every two weeks beginning XX/XX/XXXX until the {$430.00} is paid off. This company calls and emails me endlessly. It's predatory and greedy and takes advantage of individuals who feel they have no options.
11/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 440XX	Web
I called on XX/XX/XXXX to ask if I could make arrangements to lower the payment amount and extend the payments out and was laughed at. The customer service representative was foreign and would not repeat his name, but said " What do you expect when you take our loan ''. He said they will continue to take payments out and it id my fault for having bad credit. This loan has a 400 plus percent interest rate. I realize I am at fault for ever having the XXXX to take it out, but to be talked to like that .... I wish these businesses were not allowed to even operate. To charge such outrageous interest and then speak to customers like that- they have full access to your account and will make zero effort to help if you are facing a hardship.
11/18/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CO 81501	Web
We have attempted to access our loan documents multiple times. They havent been available to download, our online portal says there are no documents available each time we try. We logged in and our balance unexpectedly jumped from XXXX to XXXX over night. We called and they blamed the jump on a potential technical difficulty. And blamed our inability to access loan documents on a technical difficulty as well. When voicing how concerning it was that a technical difficulty is changing our loan balance over night like that they said we are being charged aprox. 10-11 dollars in interest A DAY. Something we didnt even fathom was possible! But those pesky technical difficulties are what they're hiding behind.
05/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92656	Web
Predatory lending practices. The fees were outrageous, in the neighborhood of {$5000.00} on top of a {$2000.00} loan. I made a larger payment last month ( {$1000.00} ) in an effort to reduce the amount of interest being charged. I called them this month, and they indicated that I did n't have another payment due until XXXX . Ostensibly, they interpreted the large payment as several payments in advance in an attempt to tempt me to continue the loan, not pay again for several months, at the same time accruing the predatory interest fees. Under the circumstances I just paid it all off, causing much harm to my financial condition but it was more favorable than paying the principal amount several times over.
07/21/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77035	Web
I applied for loan. I Was approved. Paid extra wire transfer fee to have the money wired to my account the next day because I was passed the deadline for that day. I signed the contract wile on the phone with the agent and she confirmed she received the contract and confirmed the loan would be deposited next day to my account. The next day the money was not deposited and I was told there was a " glitch '' and it would not be deposited till the next day. After confirming the loan would be deposited. I scheduled a payment on an overdue to come out. That bill came out of my account and has put my account overdrawn because the deposit was n't made. I feel like this is a breach of contract
03/30/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 39452	Web
The first of XXXX I took out a loan with Bright Lending for XXXX dollars. I was unaware that they are a tribal lender, I was also unaware that they charge interest rates over the usury limits in Alabama. My loans APY is 599 %. In order to pay off the loan Id end up paying almost XXXX dollars because they charge you your scheduled installment plus the payoff amount and interest. I was unaware that they are not licensed to lend in any state. I checked to see if they are licensed in Alabama and they are not. Per law I only owe the principal amount lended to me. I feel deceived by this company. I believe they are committing fraud. They want to XXXX my dry with sky high interest rates.
01/04/2017	Yes	Payday loan	Charged fees or interest I didn't expect	CA 90717	Web
On XXXX 2016 I applied for a personal online loan from Northern Plains Funding. Everything was done online and I was not giving a copy of the contract after it was signed. I was given an user I.D . and password that only seem to work to sign the documents but after that it did not allow me to log back in to print out my payment schedule. My payment was to be {$87.00} per month for 27weeks or pay the full principle of the loan which was {$700.00}. However, they are now withdrawing {$210.00} every two wEEKS FROM MY CHECKING ACCOUNT. This needs to stop. I did not agree to this. I 've called to complain and asked for copies of my contract which they have not provided. Please help.
07/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92673	Web
I have applied and got approved for a loan. I did not expect the fees to be that high. They are charging me over {$1500.00} for a {$450.00} dollar loan. Each month they pull out about {$110.00} in fees. I have paid off my amount for the {$450.00} and more, to have fees this high has left me more in debt and they take advantage of that. I am being threatened fees if I do not pay. They have taken payments out each month for {$110.00} starting since XXXX. They took two payments out monthly. They are considered a sovereign nation and are a tribe doing the loans. I believe they are unlicensed. I am trying to get the fees I have paid back due to outrageous amounts.
09/18/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MN 554XX	Web	Servicemember
Good Morning, I fell victim to a payday loan scam through : Bright Lending, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MT XXXX. XXXX, XXXX XXXX XX/XX/2020 I was borrowed {$800.00}. I didn't realize what I had agreed to until after the loan was approved and I was given the payment schedule. I am now to pay, in 22 installments of {$200.00} each paycheck, {$4400.00}. That is a 699.9856 % interest rate. I've just learned that the maximum amount APR in the state of Minnesota is 390 %. I don't understand how any of this is legal to begin with. {$400.00} per month over the next year may very well bankrupt me. Thank you for any help you may provide. Sincerely, XXXX XXXX
11/20/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MO 657XX	Web
I was contacted by a company that said they were paralegals and was told I owe XXXX dollars for a loan taken out in 2015 when I offered to settle the debt for XXXX I was transferred to an underwriter asking me if I was ready to go to court and said that the local sheriffs office would be there to escort me to court. I panicked and set up an arrangement to pay. I was then transferred back to an XXXX XXXX to give them a credit card. When I gave him the information he had to run to his accounting department to run the payment. ( He actually put me on hold and ran the info down there ) Im worried because that company is no where to be found on XXXX search.
11/20/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MO 657XX	Web
I was contacted by a company that said they were paralegals and was told I owe XXXX dollars for a loan taken out in 2015 when I offered to settle the debt for XXXX I was transferred to an underwriter asking me if I was ready to go to court and said that the local sheriffs office would be there to escort me to court. I panicked and set up an arrangement to pay. I was then transferred back to an XXXX XXXX to give them a credit card. When I gave him the information he had to run to his accounting department to run the payment. ( He actually put me on hold and ran the info down there ) Im worried because that company is no where to be found on XXXX search.
11/07/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NJ 08075	Web
I received a loan from Northcash and was not disclosed the interest rate, only the finance charge on the phone. This was a minimal amount. My signature was forged through electronic email. I asked repeatedly to pay the loan in full, which continued to increase. I researched the company and found out this is a payday loan, which in the state of NJ is illegal, however this company claims to be a Native tribe on Sovereign land, which if the consumer does not agree to the terms or to continue the loan, it must be cancelled. Once the information was received, my identity was compromised which resulted in numerous bank fees and credit holds and issues.
08/17/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	FL 32825	Web
on X/XX/17, I received a {$400.00} deposit into my savings account from Riverbendcash.com. I never authorized this loan nor did I ever have any contact with them prior to the monies being deposited into my account. I called their customer service line and asked them to please reverse the deposit and take their money from my account and to block my account from any future deposits/drafts from their system. In addition, I requested how did they receive my information. The rep provided me with a phone number I use to have 10+ years ago and an email I had 15+ years ago. Under no circumstances did I ever request, authorize or consent for this loan.
11/20/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NC 28216	Web
I took out a {$500.00} loan with this company and my monthly payment were {$230.00}. I have made 5 payments to them for this amount which means I have paid the loan off twice and they are still trying to collect funds from me. I can not find in any of my personal records what the terms of this loan are. I assumed I would pay {$230.00} until it was paid off, but they continue to collect money. I dont know what the interest rate is or anything. I am filing this complaint because I was never provided with a copy of the terms and conditions for this loan. I would not have accepted it if it meant I would need to pay it back over and over again.
01/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90605	Web
I received a call from a man stating he was an attorney wanting me to call a number because of a bounced check. I called the number the lady was rude she said I was a liar and I furnished them with a check from XXXX XXXX XXXX I do n't have an account and a pay check stub. and that I could n't file fraud because I did n't have a police report I told her how can I file when I did n't have anything to file. the phone number of this company is XXXX claim number XXXX. I called the federal trade commission and they forwarded me to you. They said they are taking me to court and if I do n't show up I will have to pay triple of what they say I owe
08/17/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	DE 19702	Web	Older American
Received 2 threatening phone calls from according to the message the AG office in TX, I am in Delaware and the payday loan is for CashAdvance. They are stating that I am in default of this loan. I do n't have a 'Payday Loan ' with CashAdvance. It is a scam, I know this as they attempted this on me before several times. The XXXX numbers are coming from XXXX, TX and they are XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX both calls indicated that they were going to have the State Police come arrest me and throw me in jail. To me this is a threatening phone call. The person speaking had a foreign accent and was the same person both days.
11/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 318XX	Web
On XX/XX/2018- I was loaned {$600.00} via online by Bright Lending. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 524.9996 % - a significantly higher interest rate.
02/27/2016	No	Consumer Loan Installment loan	Managing the loan or lease	IN 46530	Web
I signed an agreement showing the payments and payment dates. The loan was to be paid in full with the last payment being XXXX/XXXX/16. That is what was stated on the loan agreement that I electronically signed. I checked my account on XXXX/XXXX/16 in the morning and the loan agreement on the site still stated XXXX/XXXX/16 as the last payment. By later that afternoon the agreement on the site was changed to show the last payment is XXXX/XXXX/16. They changed the agreement without my knowledge, consent or any notification. I feel this is at the least morally and ethically wrong, if not legally wrong. Can you help me?
12/11/2015	Yes	Payday loan	Can't contact lender	WI 53132	Web
A company called North Cash will not stop harassing me about a supposed loan they gave someone - but not me. I 've never had ( or needed ) a loan. I 've mentioned that they need to stop contacting me and that they should abide by the Fair Debt Collection Act, which requires them to stop contacting me because clearly they gave a loan to someone who was n't me. I have spoken to the police about this, yet North Cash refuses to stop calling me on my cell phone and at my office. The XXXX people who have contacted me are very rude and no matter how many times I tell them that I 've never taken a loan, they insist I have.
11/10/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	WA 98032	Web
I have been receiving threatening calls from XXXX XXXX. In their voice messages, they state that they are going to sue me and have me served with papers at my place of employment and at my home. In addition, they contacted my parents and disclosed all of the information regarding this " debt '' and told my parents that I was going to be sued. When I attempted to call XXXX XXXX to question them about their harassment and collection tactics, the case worker who refused to give me his name stated that my father was right about me, I never pay my debts and steal money. This is insulting and false on all counts.
11/13/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	IN 46241	Web
This loan is over 15 years old and they have never contacted me and I honestly forgot about it and today a collection co called me from XXXX XXXX XXXX and said a warrant was issued for my arrest and bond was XXXX dollars but could n't tell me loan any etc. Said I had 3 charges against me. Then said if I promise to xa them back w my bank info they 'd put warrant on hold when I now understand this can not be done. They need to take me to small claims court and I offered to start making payments and XXXX XXXX is who called n she stared o no we need the money in lump sum ir your warrant will be taken off hold.
03/24/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CO 80220	Web
i took a loan out with XXXX XXXX XXXX XXXX in the amount XXXX dollars at that time i did ask the person about the rate and got a half answer, after i got the loan i then looked at the agreement and noticed i would be paying XXXX for XXXX XXXX i do have the electronic agreement saved. l feel that I am being charged an exceedingly high interest rate for a {$500.00} loan. I have taken loans out in the past and have never been charged an unusually high interest rate as this. I have been making monthly payments twice a month in the amount of {$140.00}. Payments fromXXXX XX/XX/XXXX thru XX/XX/XXXX.
02/11/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94014	Web
On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. Then, starting on XX/XX/2021, I started receiving messages from debt collection agency XXXX stating that I had an unpaid balance with Bright Lending. I have never ever done business with Bright Lending or XXXX for that matter. I have emailed XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.
08/16/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07042	Web
For the past two months, I 've been getting calls from some debt agency that does not identify themselves in the message. And they 're not even calling for me! They 're calling for a friend that listed me as a contact! On XX/XX/17 I received a fourth call. The message is always the same : Your friend XXXX listed you as a contact and we 're trying to reach him. Can you please have him call XXXX. Is this not illegal? That number is connected to this business : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 5 years in business. XXXX XXXX XXXX. XXXX, MT XXXX. EMAIL WEBSITE. Fax Numbers. ( XXXX ) XXXX
06/02/2016	Yes	Payday loan	Charged fees or interest I didn't expect	IA 50023	Web
I accepted a payday loan from Northcash without realizing the higher interest rate. I was loaned {$500.00} and was expected to pay back more than {$1000.00}. I made over {$600.00} worth of payments before I realized that their practice of requiring the use of automatic ACH transactions was illegal, that the interest rate was more than the allowed interest rate for Iowa payday loan laws and that they were not licensed in the state of Iowa. I have contacted my bank to stop the ACH transactions but Northcash is harassing me and calling all hours of the night and sending collection letters.
09/14/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IL 60613	Web
Before accepting the loan agreement, while on the phone, I was told I would have an APR of 7.94 % for my principal loan amount of {$1100.00}. I did the signing portion electronically. The agent still on the phone with me instructed me to quickly sign the documents before I had time to read through to have her manager confirm my application fully. Once signed, I was told I'd receive my funds at the end of the business day on XX/XX/2021. When I downloaded the copy of my borrower agreement, I read that the APR is 794.959 % instead of 7.94 %. I can not afford that. I am devastated.
06/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 74112	Web	Older American, Servicemember
I took out a {$900.00} loan to pay the IRS to stop them from taking the next step toward collection. What I was not expecting was it costing men {$3600.00} for that loan amount. When I called thinking the loan should be paid off I was informed that I get charged DAILY interest. They do identify themselves as a XXXX tribe under XXXX XXXX in Montana. This is outright fraud. No loan should cost you triple of the amount you borrow. I have made 3 payments of {$400.00} which totals {$1200.00}. They take it directly from my banking account. I am going to stop payment for the next one.
08/03/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	GA 30126	Web
Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money Multiple loans provided to me by XXXX, funded XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amounts of {$450.00}, {$650.00}, {$750.00} and {$800.00} respectively were made at a significantly higher interest rate. I have also discovered that XXXX is not licensed to make loans in the state of Georgia.
03/02/2017	Yes	Payday loan	Received a loan I didn't apply for	CO 80027	Web
I have been getting bank withdrawals from Northern Plains Funding, that I did not authorize. I contacted this organization trying to just settle whatever debt there was and the have been getting the run around all week and avoiding closing this account. I found online that this company is associated with illegal lending and identity theft and are hiding behind a XXXX. I have reported the identity theft and am stopping payment t through my bank, although I would rather just settle this issue so I do n't get any judgements, leins, or negative reporting on my credit report.
01/23/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NJ 07065	Web
took this payday loan of {$600.00} back in XX/XX/XXXX. As of XX/XX/XXXX i have paid the full {$600.00} however.. the interest rate is going to be extremely difficult as I just recently became unemployed and i still have another 6 weeks of paybacks that i can NOT afford,. i have XXXX little girls and a household of financial responsibilities and i can not pay those payouts of {$200.00} each for the next 6 payments,. paying back another {$1200.00} is something i can not afford right now and am not even sure if a interest rate of a about 110 % is even right. please help!
06/08/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 756XX	Web
Company XXXX XXXX called me threatening to serve me paperwork at my job if I did not set up payments to repay Great Plains. I set up payment of {$500.00} a month for 3 months but when I tried to call Great Plains to check on payment arrangement they told me that another company actually owned my debt ( XXXX XXXX XXXX ). I have spoken the XXXX and they also told me that XXXX did not own my debt. XXXX stated they would send me my {$500.00} back and stop previous arrangements, however I doubt I will ever see that money and if I do it will probably be a fraudulent check.
09/06/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 30034	Web
I was looking for a small loan at a time of need. I was contacted by this company through my email after my search on XXXX. The loan was taken out XXXX for a XXXX loan. I have paid back XXXX. At the time I was not aware i was approved. It was just deposited in my account after i submitted the application. I have searched and tried to contact them and unable to reach. I can not find a copy of agreement which was never sent. I have paid close to double. The interest is ridiculous and im assuming a year which would take this 5 times. BEWARE OF LOAN SHARKs.
04/14/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	GA 30518	Web
I called to get my balance and they told me my balance was {$680.00} but I only borrowed XXXX and I've paid 18 payments of {$98.00} which equals about {$1700.00} but only {$18.00} went to the principal I ask them why and they told me that all the payments I made was interested payments so I asked them out of the {$98.00} I was paying only {$1.00} went to the principal for 4.5 months I told them that is usery and they can't do that they inform me that they where not under state or federal law because they operate under the laws of a tribe out of Montana
08/01/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 48038	Web	Servicemember
XXXX XXXX XXXX XXXX ) stole my file from XXXX XXXX XXXX XXXX XXXX ( XXXX ) to try and collect a debt they do not have rights to. The have used scare tactics. Told me I have a court date in 2 weeks from now and said they have contacted my employer. They have called my in-laws-phone. They are trying to collect {$580.00}. Screamed at me on the phone. XXXX & XXXX have a law suite against XXXX in New York. I was very distraught and crying because I did not know at first which company was telling the truth. The people I to at XXXX are XXXX and XXXX
05/21/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NC 28262	Web
I took out a loan due to emergency funding need in XX/XX/2019 for {$300.00}. I understand that I was to pay it back biweekly on my payday for {$52.00} each payday. I checked my balance today and was shocked to see that my current balance is {$280.00}. With about at least 9 payments so far, it has done very little to pay down the balance which means payment has been going towards the finance charge. I have paid over {$500.00} since taking out the loan which should have already paid for the loan plus interest. I believe this to be predatory lending.
05/19/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32548	Web
Did not realize the amount of the interest or amount not being applied to my loan. I needed this loan to take care of family matters. I would have never done it knowing what would happen. I have already pay XXXX and I only owed XXXX it is almost double on the loan amount. Loan shark. Date was taking out on XXXX / XXXX / XXXX not to be payoff til XXXX / XXXX / XXXX . can not make extra payments. Wife just got a new job no income but mine right now til she gets her paychecks coming in regular basics. Id number of the contract is XXXX
02/17/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	LA 704XX	Web
I got into a loan agreement with Riverbend Finance , LLC on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$600.00}. I was charged an interest rate of 648.75 % with 7 payments of {$240.00}. So far I have paid {$740.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$1700.00} on a {$600.00} loan.
02/17/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	LA 704XX	Web
I got into a loan agreement with Green Trust Cash on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$500.00}. I was charged an interest rate of 474.9736 % with 10 payments of {$170.00}. So far I have paid {$1100.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$1700.00} on a {$500.00} loan.
04/21/2016	Yes	Payday loan	Received a loan I didn't apply for	MI 485XX	Web
XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong. The info they had was opposite, I was unemployed, homeless, and bank was at close to {$0.00} balance with no automatic deposit. Now it way overdrawn and in the negative. XXXX for {$700.00} ; North Star Finance for {$400.00} ; and XXXX for {$520.00}. I ca n't even get a credit card and how these were even approved, I do n't understand.
12/17/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	GA XXXXX	Web
XXXX XXXX : XXXX/XXXX/2017 On the date above, I submitted a loan request for the amount of {$500.00} because I was in a desperate need to pay some bills. It provided relief for that week only and after that I have been in a constant struggle trying to pay the loan back. With an APR of 700.01 %, it 's like I 'm never going to pay the loan back. In the end, I will have paid back {$2700.00} over a {$500.00} loan. I have called a couple of times to skip a payment but all that does is put the payment on the back end of the loan.
03/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35601	Web
The credit bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I am filing this compliant against them for unfair credit reporting Unauthorized inquiries listed on my report : : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
06/13/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	TX XXXXX	Web
I have been a victim of fraud and need to stop all ACH payments with this company. RE : Revocation of ACH Credit and Debit Authorization To Whom It May Concern : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. A copy of the ACH Authorization is enclosed. Please confirm receipt of this revocation, and your intention to honor it, no later than XX/XX/2018. Confirmation may be made via email at XXXX or XXXX Your signature, XXXX XXXX XXXX
06/21/2016	No	Payday loan	Can't stop charges to bank account	PA 15301	Web
I called cash fairy loans saying I needed payment lower because hours were cut back at work. They would n't do that. Said loan was based on my income. So I called to get address for them so I can send letter asking not to deduct next payment and I would mail payments. Would n't do that either said I had to get prepaid card and call with information. So I called XXXX bank and stopped authorization of payment but they said they may try to take out under different name. Said I may have to close my account to stop them.
08/29/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	PA 183XX	Web
I borrowed money on a payday loan in amount of {$450.00} they said rates would be about 14 % I am now being charged 699 % and they ACH money from my account I tried to talk to person on phone and could not get a human. I called Pa Dept of banking and they could not help and they suggested I contact you I have already paid principle and probably 50 % in interest. Pennsylvania also said the XXXX interest rate 6 % in PA They claim the are an XXXX XXXX so are exempt from Federal Guidelines? ( posted on there website )
08/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IA 52402	Web
I received a loan on XX/XX/XXXX for {$700.00}. As of today I have paid {$3400.00}, I have scheduled my final payment for XX/XX/XXXX in the amount of XXXX. This had an APR of 674.9616 %. {$3700.00} as of XX/XX/XXXX https : //self-service.brightlending.com/loans Iowas Regulated XXXX XXXX caps interest at 36 % on the first {$1000.00}, 24 % on the next {$1800.00}, and 18 % on the remainder. The resulting XXXX, which blends these rates, is 31 % on a {$2000.00} loan. They are not licensed in the state of Iowa.
11/05/2015	No	Payday loan	Charged fees or interest I didn't expect	FL 32259	Web
I was recently in a financial crunch and needed to meet a child support obligation etc .... I applied online for a payday loan and was lied to about the way the actual payday loans work. As a result I have had to close my bank account and send a Cease and Desist Letter. I still continue to receive threatening phone calls and harassment of my family members.I have paid over {$600.00} in fees without touching the original principle amount of {$500.00}. I am having to retain an attorney to stop the harassment.
04/05/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IN 468XX	Web
I got a loan from XXXX for {$500.00} there intrest rent is 690.4522 % they want me to pay them back {$3000.00}. I keep contacting them but no one replies to my messages they wont even send me a statement of what I paid I Borrowed XX/XX/XXXX and been doing weekly payments of {$73.00} so I have already paid over {$500.00} I'm having trouble paying more why is it so high to pay back also my current balance last week was {$500.00} now this week its {$530.00} that doesn't even make sense and dont add up right
06/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75243	Web
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company on XX/XX/16 that I do not recall authorising. I understand that you should n't be allowed to put an inquiry on my file unless I have authorised it. Please have this inquiry removed from my credi file because it is making it very difficult for me to acquire credit. If you find that I am in remiss and you did have my authorisation to inquire into my credit report then send me proof of this.
07/12/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	CA 95834	Web	Older American
I called the company on XX/XX/21 and the phone number was no longer good. The Lender. Target Cash XXXX was supposed to deposit loan of {$1000.00}, but did not. Yet Target Cash had previously deposited {$1000.00} into my account and instructed me, as a good faith measure, to use that money to purchase {$1000.00} worth of XXXX XXXX cards and text the company photos of the cards. After the completion of this task, my {$1000.00} ; loan was supposed to be deposited on XX/XX/21. However, this did not happen.
11/21/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 32174	Web
I took this loan out in an emergency basis for XXXX. I have been making payment of XXXX every two weeks since XXXX. I have paid them XXXX back and I am struggling to pay the rest. I called to see if I could try to pay early and negotiate a price and they stated if I 'd like to pay off early it would be XXXX. That 's still more than I initially borrowed plus the XXXX I 've already paid them. I can no longer pay my bills with almost XXXX going to them. I 'm desperate for help with this predatory lender.
07/17/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MA 015XX	Web
This company is imposing an apr way over the legal limit The cap is 36 % and they are imposing an over 700 % apr on our loan Making it impossible to get paid gave us a XXXX dollar lone witch exceeds that cap Wanted to find out if they were really licensed but i could not obtain the information? Hoping you could help me out with that info? If the company is not legal then i want my account closed and their operation investigated This is the first action I 've taken on this please advise Thank you
09/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	NC XXXXX	Web
So CashAdvanceNow, now XXXX XXXX, charged my bank account twice. One of {$64.00} the other {$76.00} and I did not give them permission nor authorize the charges. The payment is usually once every 2 weeks but they charged me twice in one day yesterday. What's more unsettling is they never contacted me to do so and they changed their name to XXXX XXXX which I wasn't aware of. If you go to their website www.cashadvancwnow.com it would state that they changed their name to XXXX.Very shady loan business
08/25/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	PA 15146	Web
In XX/XX/XXXX I borrowed {$700.00} from target cash or target finance is what it says on my bank statements. I got the loan over the internet. For a loan of {$700.00} starting on XX/XX/XXXX they 've taken XXXX at the beginning of the month in which I 've paid {$890.00} at an interest rate of 742.63 % I 've paid them beyond what I borrowed and may owe a little more but they are expecting a total payment of {$1900.00} in total by the time I 'm done which wasnt expected and I ca n't afford.
06/14/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 45069	Web
This company charged 599 % interest, which my uncle, who is an attorney in Ohio, states is against federal and state law. I have contacted the company several times and offered to pay back the principal only but they just keep saying that they are XXXX owned and not beholden to state or federal law but court cases say otherwise. It seems this company is subverting the law to fleece people out of ungodly interest rates. You guys need to act to protect consumers from this shark lenders.
12/22/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	OK 74008	Web
I took a {$500.00} loan out with Northcash in XXXX 2015. I originally set up payments that would take longer to payoff but decided that I wanted to change to the shorter term. When I called them approximately 2 weeks later to change it, I was told I could not change it therefore I have already paid {$1900.00} on a {$500.00} loan. They take {$130.00} every 2 weeks. I want them to close my acct and consider it paid in full since I tried to have my terms shortened and they refused ....
09/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32548	Web
XX/XX/XXXX 2017 open account for XXXX to this date already pay XXXX and still have 6 payments to make which will make the total over 1000.00. can not afford to keep paying on this account and the interest is killer. need to have account closed and taking care of. feel it is pay in full. no more monies coming out. this is loan shark company and when you need help or in desperate need they are there to help but in the long run interest alone will get you on trying to pay back.
09/06/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 30034	Web
I was looking for a small loan at a time of need. I was contacted by this company through my email after my search on XXXX. The loan was taken out XXXX for a XXXX loan. I have paid back XXXX. I have searched and tried to contact them and unable to reach. I can not find a copy of agreement which was never sent. I have paid close to double. The interest is ridiculous and im assuming a year which would take this 5 times the loan. This company is not realistic and a loan shark.
12/30/2015	Yes	Payday loan	Can't stop charges to bank account	OR 972XX	Web
I can not keep up with my payments, barely getting by Paycheck to Paycheck, my Account has been constantly negative & I did not know the State of Oregon does not allow Online Payday Loans. I contacted to State of Oregon regarding this matter & they suggested contacting this Agency via Website. It is an XXXX for Online Payday Loans called Greenline Loans https : //www.greenlineloans.com The Consumer Protection - Oregon Department XXXX recommended that I contact this agency.
07/07/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 604XX	Web
This loan # XXXX was included in my bankruptcy, which was discharged XX/XX/2020. I have told the representative this, my attorney has contacted them and told them the same thing. However, they keep calling for payment. The original loan amount was {$700.00}. The accrued interest has driven this balance much higher now. I have no intention on paying a debt that was discharged in federal bankruptcy court. Im pretty sure the pursuit of collection, violates federal law.
02/23/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77060	Web
Northern plains funding is the payday loan company. I borrowed a loan from them for {$200.00}. The yearly rate is 779.54 %. The financed charge is {$1200.00}. By time I pay this loan off it will be {$1400.00}. I only borrowed {$200.00}. This is truly criminal and abusive and taking advantage of the consumer. Again I only borrowed {$200.00}. This need to be looked into. So far I paid back as of today {$160.00}. This company is a loan shark that need to be investigated.
02/10/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CO 80247	Web
I've tried reaching out a couple times but unfortunately could not wait due to being at work and longer hold times. But on XXXX XXXX, I applied and was approved for {$450.00} payday loan. I appreciate that Bright Lending approved me and was able to help in my time of need however after reviewing their documentation more clearly, I feel preyed upon by them as they have given me an APR of 674.98 % and Per Colorado Proposition 111 that is a clear violation of my rights.
01/02/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	PA 19020	Web
As of XX/XX/XXXX, the complaint that I had filed with GVA holdings via CFPB was closed after GVA agreed that my account was closed as a " courtesy to me. '' Today, XX/XX/XXXX, I have discovered that {$100.00} was pulled from my account again and when I called they claim there are no notations on my account and that I am to pay till MAY! I sent them a copy of what they had responded and await a response. In the meantime I am $ -XXXX overdrawn and this should not be.
03/12/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	OK 73129	Web
Was approved for a {$300.00} loan And since XXXX 2020 I have been charged {$80.00} every two weeks I have since then paid {$1000.00} to this company I have documentation showing how one week it will say a certain amount and will go up {$20.00} {$40.00} and they say that I still Im not close to paying off the loan I refuse to keep paying this company it is unfair to be charge like this after I feel like I have paid the principal for this loan well over the amount
11/17/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	IL 60051	Web
A loan in the amount of {$1000.00} was received on XX/XX/2022, with biweekly payments of {$250.00} beginning on XX/XX/2022. I have paid a total of {$2200.00} ( XXXX payments ), which is over double the amount of the original loan. Due to financial hardship, I am no longer able to make the remainding payments. They removed the ACH withdrawal from the account. However, they said they will aggressively seek payment on the remaining balance of apx. {$3500.00}.
06/01/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	OH 44124	Web	Servicemember
A REGULAR BI-WEEKLY INSTALLMENT WAS SCHEDULED TO BE WITHDRAWN FROM MY ACOUNT ON XXXX XXXX. ON XXXX I CALLED TO REQUEST A PAYOFF OF THE LOAN VERSUS JUST AN INSTALLMENT PAYMENT. ON XX/XX/2020 WHEN I LOOKED AT MY BANK ACCOUNT THE COMPANY WITHDREW BOTH AMOUNTS THE INSTALLMENT & THE PAYOFF AMOUNT. I CALLED ON XX/XX/2020 AND WAS INFORMED THAT THEY WOULD NOT BE ISSUING ME A REFUND OF THE {$100.00} THAT WAS WITHDRAWN IN EXCESS OF THE PAYOFF AMOUNT ...!!
10/15/2015	Yes	Payday loan	Charged fees or interest I didn't expect	IN XXXXX	Web
Took out this loan in the amount of {$600.00}. Was told that the loan was {$130.00} per week but was not told that the loan the following 2 weeks and going forward would be {$200.00}. I found that out when they debited my account and I called them. They then sent me a copy of my application. I also found out today from the Indiana DFI hat this company is unlicensed to lend in Indiana and that the percentage rate is well over what is allowed ( 720 % ).
04/02/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	IL 60445	Web
XXXX KEPT TAKING MONEY FROM MY CHECKING ACCOUNT, AFTER I TOLD THEM I WANTED FINAL BILL AND WOULD PAY VIA MONEY ORDER VIA XXXX MAIL. ON OR ABOUT XXXX/XXXXXX/XX/XXXX XXXX XXXX FROM XXXX XXXX XXXX CALLED SEVERAL TIMES STATING THAT I WOULD BE XXXX AND THAT SOMEONE WAS COMMING AND KEPT CALLING XXXX TRYING TO SEND CEASE AND DESIST, DO NOT CALL, VALIDATION, I HAD ONLY XXXX XXXX FROM CALLER I.D . XXXX finally delete XXXX tradeline from all bureaus, XXXX etcc.
04/02/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NJ 07109	Web
On XX/XX/2017 I took a loan from XXXX. I have since paid back the loan, but also paid back an extremely high interest rate when paying back the short term loan. I have come to find out they charge an illegal interest rate of over 700 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.
01/25/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	PA 150XX	Web
On XX/XX//23 I received an email stating that my loan was paid in full. However, on XX/XX/23 I received a letter stating instead that my account is suddenly past due. Furthermore, the person on the phone was extremely XXXX XXXX and refused to explain why I was being charged more money. I ultimately sent in a paper check under duress but as a person with XXXX I am extremely uncomfortable with unethical business practices employed by these XXXX
06/03/2016	Yes	Payday loan	Charged fees or interest I didn't expect	NC 27520	Web
XXXX XXXX Now supposedly is a pay day loan company. However, payments have been made on time per the paper work that I signed, automatic debits have caused the loan balance to increase. IF you pay a loan, on time every time per the paperwork, your balance should go DOWN, not up. I 've paid for MONTHS. Approximately {$600.00} on a {$400.00} loan only to be told my balance is {$420.00}. How is that even possible when weekly payments are made??????
10/04/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MA 01757	Web
took out a XXXX loan in XXXX of XXXX have taken other loans from them and they always took out principal as well as finance charge. im not sure what happened with this loan but i have paid 12 payments of XXXX and still have a balance of over XXXX i have recently become ill and told them that i am going on XXXX XXXX XXXX. i am willing to give them the balance of the loan which is under XXXX but i can no longer make the 780 % interest payments.
01/05/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	AL 364XX	Web
We understand we owe money to this company. But we have continually asked them not to call us and even sent a cease & desist letter which I have a copy of asking them not to continually call us ( I have copy of this also ) We would like all correspondence to be in writing from now on. They still are calling in which I have dates and times and voicemails saved. We would like the harrassment to stop and send us what we need in the mail please.
08/29/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IL 60540	Web	Older American
I requested a {$1400.00} loan for emergency housing needs. I am a senior and was not aware of the {$7000.00} plus repayment for the amount of this loan. My daughter who helps with my bills was reviewing my account on Saturday and was " livid '' when she learned I had money coming out of my checking account from a " predatory lender ''. We put an automatic " stop payment '' on any future withdrawals. I did not understand this was a scam.
07/31/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	LA 70815	Web
I received a payday loans from Greenline loans for {$300.00} on XXXX XXXX. I have paid {$500.00} as of XX/XX/XXXX XXXX on the loan and a balance of {$400.00}. I wasnt aware the interest rate was 748 % on the loans. I also was inform that by it being a XXXX loan company they can charge whatever fee they want. They will not just take the {$200.00} loan fee they want {$600.00} loan fee. I pay {$100.00} a month but I cant afford it.
03/15/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CT 06051	Web
I took a payday loan for {$400.00} with North Cash on XXXX/XXXX/XXXX. They took the first payment on XXXX/XXXX/XXXX for the amount of {$95.00} and after that, they 've been taking {$55.00} weekly for 10 weeks. I called today XXXX/XXXX/XXXX to ask for a pay off amount and they told me I owe {$430.00} so I asked why if the loan was only {$400.00} and she responded that all the money they been taking out of my account was interest.
10/24/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 467XX	Web
BrightLending is not licensed in the State of Indiana. I requested to stop payments and refund the difference in what I was told I needed to pay and the actual amount. When I notified the company, they stated tribal laws do not apply to states. They are not located in Indiana nor licensed in Indiana but continue to harass and will not refund the difference that I was told I needed to pay and what I actually paid..
05/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 63033	Web
I BELIEVE THE LOAN WAS XXXX BUT IM UNABLE TO VERIFY ONLINE WITH THEM WHISCH IS SUSPECT TO ME.THEY HAVE BEEN DRAFTED FROM MY CHECKING ACCOUNT XXXX EVERY TWO WEEKS SINCE XX/XX/2017. MY LOAN IS BEYOND PAID OFF AND EVERY TIME I TRY TO LOG INTO THE ACCT ONLINE THE WEBSITE DOESNT WORK AS WELL. IM PAYING BEYONG OVER THE AMOUNT THAT WAS LOANED OUT TO ME AN IS OUTRAGES IM STRUGGLING TO MAKE ENDS MEET DUE TO THIS ISSUES.
09/02/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	OR 97015	Web
Calling a private business phone. The phone is located in the lobby of a major hospital in XXXX Oregon. The line that gets called redirects to a specific unit, employees at this hospital have no knowledge of the name of the XXXX persons that they are calling for. Multiple staff have repeatedly explained that to the company and have asked to have the nubmer taken off their list, and they continue to call daily.
03/08/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90605	Web
I continue to get calls for loan taken out in my name in XX/XX/XXXX with XXXX XXXX. I called the company and police and reported as identify theft. They left a message on my cell XXXX ext XXXX ref # XXXX today XX/XX/XXXX. 4 months ago I called the loan company they said it was cleared and were going to notify collector to stop harassing myself and family. They are threatening with taking me to court.
08/18/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	PA 196XX	Web
I applied for a XXXX dollar loan and with interest I paid total XXXX. The apr was XXXX. The finance charge was XXXX. From researching I found out that this company might not be licensed in the state of Pennsylvania to be conducting loans like this. The loan started XX/XX/XXXX-XX/XX/XXXX. My checking account was debited every two weeks for XXXX up until XX/XX/XXXX which that last payment was XXXX.
07/01/2015	Yes	Payday loan	Can't stop charges to bank account	NJ 08028	Web
Took out a payday loan and the loan has been paid back since XXXX 2015 plus interest, Payday lender still debiting account. I would like the payday lender to cease and desist from debiting my account, and return any and all funds back to my bank account paid after XXXX XXXX 2015. I 've paid this lender back XXXX so far. This lender also did not follow NJ laws for payday lending and interest rates.
09/27/2016	Yes	Payday loan	Charged fees or interest I didn't expect	OK 73507	Web	Servicemember
Took a payday loan from a company Called North Cash. Their interest rate is like borrow money from a Loan shark. It is not right they treat the consumers like that. My loan was {$1500.00} dollars with a payment of XXXX twelve installment payments. That is insane an not right. I do n't understand why the interest rate is so high and why I ca n't pay them XXXX every two weeks. It 's not right.
09/15/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	44128	Web	Older American
The loan amount was XXXX. I did not understand that I would have to pay 599.9968 % interest over a ten month period. I reached out the lender to request to pay the loan off early and was told that I am not allowed to do so. I have made several payments and feel that the loan is structured in a predatory manner. Over the course of 10 months, the total amount to be repaid will be XXXX.
10/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NV 89117	Web
I applied for a loan and got the amount of XXXX dollars on XX/XX/XXXX. I then tried to ask for an extension or a lower amount owed on XX/XX/XXXX. They did not allow that and stated : We apologize for any inconvenience, but we are unable to honor your request at this time. Your next scheduled payment will be automatically debited from your account on XX/XX/2019 In the amount of {$150.00}
08/12/2016	Yes	Payday loan	Charged fees or interest I didn't expect	FL 342XX	Web
Already paid XXXX already on a XXXX dollar loan to Northern Plains Funding loan approval was all done over the phone did n't have a chance to review paperwork for loan and interest rates. Balance of loan fluctuates and was told if I want out of loan would have to pay XXXX. They said I am paying finance charges with a small principle on loan that 's why I owe so much and hung up the phone.
06/03/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 34116	Web
While attempting to pay a loan for {$300.00}, from an online lending agency. Every payday I am charged {$80.00} with nothing going to the principle of the loan, I have been getting charged for 4 months, and the amount I owe is {$290.00}, from {$300.00} loan. The employees of the agency are hard to understand when asking for information due to a language barrier. Unfair Billing Practices.
05/13/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 30504	Web	Older American
Bright Lending says that they gave me a loan for {$800.00}. I did not request this and the monthly payment is {$250.00}. After receiving this information I called the company and they told me that the interest per day was {$14.00}. THey then told me that the percentage rate is 700 % and, since that loan was originatedd on XX/XX/XXXX, less than 30 days ago, I already owe {$1200.00}.
09/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MN 55318	Web	Servicemember
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 499.99 % Bright Lending loan Number : XXXX Finacne Charge XXXX Amt Financced : XXXX Total of Payments : {$6000.00} Date : XX/XX/XXXX Due Date : XXXX every two weeks CREDITOR : ADDRESS : PHONE : EMAIL : Bright Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX XXXX XXXX
01/15/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 95401	Web
I got a {$300.00} payday loan from northern plains funding. I was not made aware that I would be paying over {$2000.00} to pay off my loan. They are currently taking {$90.00} from my account every payday stating that the {$90.00} is only paying for the interest. I have called to make payment arrangements and to get advice as to how to pay this off and they refuse to give any help.
12/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91784	Web	Older American
these people started calling me on XXXX/XXXX/2015 about an illegal usury interest rate account, that they purchased from XXXX XXXX. XXXX XXXX does not have a license to make these type of transactions in the state of California ... ..I advised them that I will not pay {$900.00} in interest on a six month account and requested their license number..they have not provided it to me.
07/06/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IL 60441	Web	Servicemember
Have been getting charged outrageous apr fees ( 691.98 % ) which are illegal in the the state of Illinois. A {$700.00} loan costed me {$1900.00} so far. I read online that there are numerous complaints about this company. Also after reading the contract the box to make automatic debits from my account is not checked, so they have been making illegal debits from my account.
06/21/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 77584	Web
Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.
05/12/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CT 061XX	Web
I received a loan for XXXX in XXXX. I have paid XXXX two weeks in every month starting in XXXX XXXX. By now this loan should be paid off. XXXX now is charging excessively and the next payment they said is due to be taken out XXXX/XXXX/16. There number is XXXX XXXX. XXXX XXXX. My name is XXXX XXXX XXXX. They are operating name is different it is owned by XXXX
10/01/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	LA 70065	Web
This decision has come to the observation of the type of financing and payment in installments for each month. It is not possible for a simple {$900.00} loan to generate 10 payments of {$460.00} each month, creating a debit of {$4600.00}. There is no way in the world to understand and interpret that. Gold in kilograms is cheaper than your type of financing.
07/17/2016	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	NC 28677	Web	Older American
called me on a private number and said i owed a payday loan and they had XXXX feloney warrents for me and they would require a XXXX dollar secured bond and then she gave me a number for an attorney that was handling the case this occured one week ago i contacted the nc attorney general office and they said it was a scam and do not try to negociate with them
09/20/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	PA 19020	Web
I obtained this loan not realizing how bad the interest rate would really be and what it would mean to me. My loan initiated on XX/XX/XXXX. I eventually made arrangements to pay what I owed off at the rate of {$100.00} a month. I have been doing this for the last 6 months. I have more than paid the amount that I owed yet I still owe {$710.00} as of today.
01/06/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NY 105XX	Web
On XX/XX/XXXX I borrowed {$500.00}. I call today to find out my pay off amount and was told it is {$510.00}. I have been making weekly payments of {$65.00} and to date I have paid {$840.00}. They are now expecting me to pay another 27 payments. Which means when I am done paying I will have paid {$2800.00} on a {$500.00} loan. Account number is XXXX.
09/30/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	IN 46143	Web	Servicemember
They found my number from somewhere, and they constantly call making threats that they will show up at my work on XXXX XXXX or at my home. This can not be legal. Then they state I have been notified and just hang up before I can even say anything. I am disputing and I told them that. Yet, they still call and make threats to show up at my work or home.
07/24/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NC 28562	Web
I was working two jobs to make ends meet when I took out this loan and now I am down to one job and have found myself struggling to pay this loan back. I have made payments of XXXX since XX/XX/2019 so I have paid back around XXXX dollars on a XXXX loan. I would like to be relieved of this loan and to have the payments stop coming out of my account.
12/09/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	RI 02909	Web
I was reading that payday loans can't charge more tan XXXX % on a loan in XXXX XXXX, but I was charged XXXX % XXXX on a loan and received more than XXXX. I want to know if it's legal to charge so much interest. On a XXXX loan I paid back close to XXXX or more within 3 months. I go to try and find my loan documents, they aren't available.
02/26/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	KY 411XX	Web
I applied for a loan with this company and was approved, but didnt expect to keep paying {$280.00} every two weeks forever 10 to 15 weeks now for a very small loan. I tried to cancel but it was to late. I am a very hard working person who had a medical bill that had to be paid. This company is ripping hard working people off. Please help.
09/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08854	Web
Loan Company GREAT Plains Payday Lending who I attempting to resolve the illegal interest rate they put on a NJ Loan that they are not licensed to do business with and would not drop the 800 % interest reported the loan on my Credit Which is also illegal. The credit agency said it was valid an they could not remove the charge.
02/06/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	OH 45237	Web
A loan way taken out in my name with my account information. Reached out to the XXXX an the company they stated that they had no record of a loan application, but I have the email wanting repayment. I requested that the loan be withdraw even called an nothing has been done. I have email that I was attempting to communicate.
05/12/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MI 48183	Web
A {$500.00} loan. They debit weekly {$84.00} starting on the XXXX ( a week after receiving ), XXXX payment bounced so I paid {$200.00} today. So I 've paid {$360.00} and still owe {$380.00}. The fees are illegal in michigan. They are accruing weekly what should be monthly. They debit weekly and charge fees weekly.
12/21/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 91739	Web
Green lineloans the Lender has been paid back XXXX to date on a XXXX dollar loan. After consulting with my attorney I found out they are not licensed to do business in the state of California and I over paid them XXXX which in the interests of good faith I 'm not asking for a refund. Thy claim I still owe XXXX and change.
07/26/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	GA 30126	Web
I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.
07/26/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	GA 30126	Web
I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.
08/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90277	Web
I'VE CALLED SERVAL TIME AND ONLY THE AUTOMATED COMES ON AND I GIVE ALL MY INFO AND IT SAYING THAT IT DOSNT RECOGNIZES ME... I WANT PAY IT OFF BECAUSE ITS A TRIBAL LOAN AND THE INTEREST IS CRAZY AND IT WAS A MISTAKE EVERY SAY THEY ADD MONEY TO MY LOAN AND I CANT GET HOLD OF THEM.. I NEED TO GET OUT OF THIS LOAN
08/13/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 45240	Web
I wanted clarification on the OH installment loan laws. I recently got a {$400.00} loan but am having to pay back a total of {$2800.00} ( which includes a {$2400.00} finance charge ). Is this even legal in Ohio? I wanted to double check before I start paying almost {$3000.00} on a {$400.00} loan. Please help.
11/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OR 97211	Web
On XX/XX/18 I received a payday installment loan of {$550.00} from Bright Lending. As of XX/XX/18 I have paid a total of {$740.00} to Bright Lending ( more than covering the cost of the loan ). Despite paying the loan off, my balance according to the website is {$580.00} ( more than the original loan amount!
04/12/2015	Yes	Payday loan	Charged fees or interest I didn't expect	PA 151XX	Web
Took out payday loan of {$600.00} and it turns out that the payment plan that they set up continually renews the loan without any of the payment being applied to principal. I should have read the fine print. I believe that the interest rate that they are charging me is in excess of the PA rate cap by law
03/04/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 94118	Web
https : //www.targetcashnow.com/ is a tribal lender loan. I was referred to them when I found out XXXX had closed. I didn't realize the APR was 794.994 %. I borrowed {$800.00} and now I owe {$2900.00}. This should be illegal. I want an APR that is less than 25 %. I'd prefer to have the loan forgiven.
11/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 49464	Web	Servicemember
I borrowed {$600.00} with the understanding that the {$98.00} per week I was paying was the interest on the loan, and that I could pay off the principal at any time -- they just told me that if I paid it off this week, I would owe {$780.00} in addition to the {$200.00} in interest I have already paid.
02/13/2017	Yes	Payday loan	Payment to acct not credited	PA 178XX	Web
I submitted a complaint against this lender. I am NOT in default of the loan. My due date is not until Friday XXXX. I am getting harassing emails stating that I am in default as my " last payment '' was not able to be processed. This is untrue. My last payment was XXXX and has cleared my bank account.
04/20/2017	Yes	Payday loan	Charged fees or interest I didn't expect	TX 78250	Web
borrowed {$450.00} fro m Northern Plains Funding llc I have made 16 payments of a total of {$130.00} and one of {$67.00} i understand the interest are high and that is why i wanted to pay it off as soon as possible now they tell in order to pay it all off it is going to be a total of {$500.00}
10/13/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29063	Web
I owe this company but the outragious fees became too much to bear when federal and state garnished my wages and put a levy on my home. I not afford the thousands of dollars being requested. I can pay amount originally borrowed agreed upon on a monthly basis but I truly have nothing else.
04/06/2018	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	CA 95762	Web
Target called me, advising that someone had tried to open up a Target Credit card with my social security number. The reason why it was flagged was that I already had one. The hard inquiry is still showing on XXXX. Can you please contact all three credit bureaus and advise to remove.
01/13/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	IN 46219	Web
I called riverbend on XX/XX/2020 to settle this account as paid in full since I paid the amount I borrowed plus extra. So far I have paid XXXX and there will be another payment coming out on XX/XX/2020 for XXXX. Which will make my total XXXX. I believe this is predatory lending.
06/01/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	PA 180XX	Web
I took out a loan on XX/XX/XXXX in the amount of {$670.00}. As of XX/XX/XXXX I have paid {$1800.00}. I called onXX/XX/XXXX and was told my payoff amount was {$660.00}. My principle only dropped {$5.00} after 9 payments? I understand that XXXX XXXX XXXX is not licensed in Pa..
05/25/2016	Yes	Payday loan	Received a loan I didn't apply for	CT 060XX	Web
They called me to verify that I applied for a loan by calling them. I did not but they had all my information. I asked for information to find out what was going on and they told me to file a police report, They had my social security number but would not give me any details.
10/02/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	PA 18045	Web
I took out a loan on XX/XX/XXXX2017. Interest rate is 786 % I have paid 7 payments of {$220.00} biweekly. The finance charge is {$1800.00} on {$750.00} loan. Total amount I will pay for this loan is {$2600.00}. I feel this is too much interest. I still have 5 more payments.
07/21/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98292	Web
I keep getting emails and phone calls from this company for some sort of scammy loan that I supposedly applied for. I have no idea how they got my email or phone number, but this is fraud. I have never applied for, been approved, or received funding from this company.
06/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	KS 66102	Web
Left me multiple vocie message advising that they were serving legal court papers on friday between XXXX for a judgment against me. I could contact XXXX and left a refrence ID most of the time they called private but happened to call with XXXX XXXX of the times.
04/10/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 30349	Web
I took out two loans, one for XXXX and one for XXXX. they want me to pay back 4 times the amount for either loan. I have already paid them back double. Loan documents are attached. I believe poor people are preyed upon and these are unfair lending practices.
01/27/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 78703	Web
Due to a banking mishap I was stuck out of town in a business trip with no cell phone or way to pay for food. I had to get a payday loan to survive. As I was new my job I had to get the first one that approved me. Now I am paying 775 % on a XXXX loan.
12/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 391XX	Web
ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 794.901 % FINANCE CHARGE The dollar amount the credit will cost you. {$4600.00} Amount Financed The amount of credit provided to you or on your behalf. {$1400.00} This is a rip off
08/01/2016	Yes	Payday loan	Charged fees or interest I didn't expect	FL 337XX	Web
They are now sending Arrest Warrant emails threatening me to pay the loan back. Yes I know I still owe the loan, but they have been very unreasonable with trying to agree on payment arrangements. Now they are sending me very threatening emails.
05/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CT 069XX	Web
I am having trouble making the payments I borrowed XXXX but the interest rate is 720 % I will have paid over {$7000.00} when done the {$400.00} payment every 2 weeks is making it difficult to keep up with my mortgage and bills I need to pay
02/22/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 45011	Web	Older American, Servicemember
DUE DATE ON LOAN IS WRONG. XX/XX/2020 SHOULD BE ) XX/XX/2020 COMPANY REFUSES TO MAKE CHANGES TOO STOP OVERDRAFT CHARGES NOTIFY COMPANY SEVERAL TIMES TO NO CHANGE EXPLAINED ON FIXED INCOME SOCIAL SECURITY ADMIN CANT AFFORD TO PAY LOAN OFF??
02/21/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 741XX	Web
I obtained a XXXX loan in XX/XX/2019 and I have paid over XXXX on the loan. I called today to pay off the loan and they said I owe XXXX. I don't understand how my payoff is so high. I asked for the interest rate and they couldn't tell me.
03/30/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MN XXXXX	Web
It started on XX/XX/XXXX! They took out {$370.00} for the first payment and after its every other week! The interst is so high that it is not fair to the comsumer! They are also using a retail name that they are not associtated with!
03/10/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	GA 30349	Web	Older American
I told the company the length of the loan was not fair and the pay off amount was too high. They said they would offer new terms but didn't. I have been paying XXXX since XXXX XXXX, 2018. I have already paid double the amount given.
06/03/2016	Yes	Payday loan	Charged fees or interest I didn't expect	FL XXXXX	Web	Older American, Servicemember
I ca n't believe how much interest rate I was charged for a XXXX dollar loan I was charged XXXX dollars in interest that 's 360 % I have paid off my loan. I hope you can do something so some one else from being taken advantage of.
02/28/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 94118	Web
https : //brightlending.com/ is a tribal lender loan. I was referred to them when I found out XXXX had closed. I didn't realize the APR was 699.4069 %. I borrowed {$500.00} and now I owe {$2800.00}. This should be illegal.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	TX 77073	Web
signed up and it was supposed to cost XXXX a month but company took an lump sum of XXXX out of my account ive emailed and called the company many times to get refund but phone rings and goes to automated system and beeps
02/24/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NJ 07724	Web
I called company to ask about lowering my interest rate so I do not pay them double what I took out because of high interest rates. I tried working it out but never agreed. I would like to cancel debt if possible.
08/20/2015	Yes	Payday loan	Charged fees or interest I didn't expect	MA 01757	Web
I had to take out a number of pay day loans to help cover exspenses ive been trying to pay but at 783 % interest it is almost impossible they wont stop calling am im at my wits end and I do n't know where to turn
11/17/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	SC 291XX	Web
On XXXX the XXXX I emailed the company and asked them not to draft a further ACH debits from my account. They emailed back saying they acknowledged the request but they are continuing to draft from my account.
10/07/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NJ 07026	Web
I took out a payday loan on XX/XX/2018. The interest rate they are charging is 474.999 %, but the cap in NJ is 30 %. When I called and told them, they said it was a tribal agreement and does not apply to them.
05/04/2016	Yes	Payday loan	Can't contact lender	CA 94086	Web
Told me my account was settled and paid in full and even sent me text and ca n't seem to get their act together and want this collection activity to stop. Unable to contact XXXX due to leave of absence.
10/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Charged fees or interest you didn't expect	IL 60649	Web
On XX/XX/2023, a letter was sent to GreatPlains Finance , LLC dba CashAdvance Now was instructed to revoke all future ACH payments and to terminate loan as it violates the The PLPA of Illinois.
12/20/2017	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 32771	Web
Took out loan in distress. Later contacted company to halt payday withdrawals as I could not afford them. Requested multiple times to cease all contact to me. Failed to do so harasses me daily.
03/15/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	MN 553XX	Web
Bright lending I called to pay off loan using credit card. bright lending interest is 699 % company refuses to take credit card payment. interest rates at this amount should be illegal.
10/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MT 595XX	Web
on XX/XX/XXXX I received a loan in the amount of XXXX. I contacted them on XX/XX/XXXX to see if I could skip or do a lesser amount for my first payment. They denied that request.
08/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	AZ 85295	Web	Servicemember
I received a loan from bright lending in XXXX. I recently discovered that these types of loans are illegal in my state. I have repaid nearly the full {$500.00} original loan.
06/03/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MD 20706	Web	Older American, Servicemember
The loan gave a loan but I had no Idea that the interest rate would be so high. Itis over 300 % It seems I will never be able to pay the loan back.
06/08/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NM 87121	Web
Interest is approximately 400 % these payments are affecting our homes financial well being. Falling behind on car and mortgage payments.
04/09/2016	Yes	Payday loan	Can't stop charges to bank account	CT 061XX	Web	Servicemember
Borrowed XXXX dollars from the lender in XXXX and from XXXX to XXXX I have been charged at this time what I borrowed should be paid back.
01/01/2022	Yes	Student loan Private student loan	Getting a loan Problem with the interest rate	CA 94122	Web
I took out a {$450.00} loan from bright lending and the interest rate is XXXX per month for 19 months which is about 700 % interest rate
10/16/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NC 28269	Web
I took a loan for {$800.00} on XX/XX/2022. It was not explained to me that I would have to pay back over {$5000.00} to clear this debt.
04/25/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MO 65251	Web
I saw on my XXXX credit report that I owed a debt to XXXX XXXX XXXX. I never took out a loan with Riverbend cash in the first place.
08/25/2015	Yes	Payday loan	Charged fees or interest I didn't expect	PA 189XX	Web	Servicemember
APPLIED FOR PAYDAY LOAN FROM WHITE HILLS CASH AND XXXX BOTH COMPANIES HAVE CHARGED OUTRAGIOUS INTEREST RATES. UNABLE TO PAY THESE.
03/05/2017	Yes	Payday loan	Payment to acct not credited	MI 48228	Web
I have made XXXX different payments of XXXX to Northern Plains Funding and none of the money has been credited to my account
06/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MI 48228	Web
The fees on this loan are extremely high and upon research I don't think this loan is legal in the state of Michigan.
04/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32404	Web
First payment on {$1200.00} loan on XX/XX/15. APR 449.2762 %. Biweekly payments of {$250.00} times XXXX payments.
07/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92373	Web	Servicemember
I got this loan without even looking at ridicules interest and high payments, still trying to help my family out.
07/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	CA 93702	Web
I was supposed to get a refund and some other stuff came up that doesn't look good.I need to make sure.
07/11/2016	No	Payday loan	Charged fees or interest I didn't expect	IN 46202	Web	Servicemember
Charged illegal 743 % interest rate. Was n't fully aware of terms until loan had been accepted.
07/13/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MI 48204	Web
Paying XXXX a week on my loan, vand it is only taking off 3-5 dollars of my total balance
03/11/2017	Yes	Payday loan	Charged fees or interest I didn't expect	PA 19139	Web
Northern Plains Funding LLC..is an unlicensed payday loan and over charge me in fees.
09/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29072	Web
This was not me. I had identity theft 2 years ago. They did this. Please remove it
07/02/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	PA 17050	Web
ACH Authorization does not specify how automatic withdrawals can be stopped
09/24/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 92592	Web	Servicemember
Interest is above what is allowed in California
11/29/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WA 98112	Web
My Loan APR was 763.16 % on an {$800.00} loan.
04/18/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CO 803XX	Web
They charge more than Colorado allowed fees.
04/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CO 803XX	Web
They charge more than Colorado allowed fees.
04/01/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	FL 33435	Web
My ss was use for a loan I didnt apply for
02/01/2017	Yes	Payday loan	Charged fees or interest I didn't expect	NJ 07087	Web
I ca n't pay, too high interest.
01/30/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	MD 20815	Web

01/26/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Can't stop withdrawals from your bank account	SC 294XX	Web

01/24/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	OR 97055	Web

01/23/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	GA 305XX	Web

01/11/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	SC 29924	Web

01/10/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	OH 44820	Web

01/09/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	OH 44820	Web

01/06/2024	Yes	Debt collection Payday loan debt	Electronic communications Used obscene, profane, or other abusive language	FL 34746	Web

01/04/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	GA 30076	Web

01/03/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	NM 875XX	Web

01/02/2024	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AL 36116	Web

12/31/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	FL 34746	Web

12/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	IN 46323	Web

12/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	GA 305XX	Web

11/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	FL 33139	Web

11/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Charged fees or interest you didn't expect	NE 68059	Web

10/24/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Charged fees or interest you didn't expect	IN 46202	Web

10/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Can't stop withdrawals from your bank account	GA 30349	Web

10/18/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Loan payment wasn't credited to your account	MN 56586	Web

10/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	OH 43614	Referral

09/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Loan payment wasn't credited to your account	OR 97303	Web

09/25/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Charged fees or interest you didn't expect	IL 60010	Web

09/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 61281	Web

09/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	OH 44444	Phone

08/16/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL 61281	Web

08/15/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 78224	Web	Servicemember

07/26/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94111	Web

07/16/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MN 55082	Web

07/08/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28213	Web

06/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60608	Web

06/12/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	GA 30083	Web

06/02/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	CA 94580	Referral

05/03/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 31565	Phone

04/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 64116	Web

04/01/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NM 87507	Web	Older American

03/29/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MD 21771	Web

12/09/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	RI 02909	Phone

11/09/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	MA 02035	Web

10/11/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MS 38637	Web

08/07/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MS 38637	Web

08/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OR 97303	Web

07/28/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CT 06513	Web

06/23/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	SC 29229	Web

06/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MD 20794	Web

06/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	PR 00985	Phone	Older American

05/10/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	SC 29180	Postal mail

05/04/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WA 98408	Referral

04/16/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	AZ 85282	Web

03/16/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 37066	Web

02/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 94538	Web	Older American

02/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 94538	Web	Older American

01/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 94538	Web	Older American

01/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 94538	Web	Older American

01/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94538	Web	Older American

01/07/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	GA 30337	Web

12/12/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OR 97381	Web	Older American

12/07/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	KY 40505	Phone	Older American

11/26/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MI 48094	Web

07/07/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	IL 60607	Web

06/11/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 31903	Phone	Older American

05/27/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 31903	Phone

05/06/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 95616	Web

02/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	ID 83402	Web

01/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60626	Web	Servicemember

12/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92583	Phone	Older American

11/30/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MI 48141	Phone

10/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33981	Web	Older American

09/04/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan		Phone

08/31/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	WI 53925	Web

06/22/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect		Phone

06/12/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TN 37620	Referral

05/05/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MA 01038	Web

03/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OR 97302	Web	Older American

03/16/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	KY 40228	Web

01/02/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	IN 46218	Web

12/19/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 75033	Referral

10/23/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44420	Web

09/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WI 54153	Phone

08/29/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	FL 33023	Phone	Older American

08/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60428	Web

08/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60428	Web

07/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect		Phone	Servicemember

07/02/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	WA 98101	Web

07/01/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	AZ 85705	Web	Servicemember

06/19/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 77053	Web	Servicemember

06/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MA 02118	Web

06/17/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IN 47634	Web

06/15/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	MI 49601	Web

06/14/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IL 60005	Web

05/23/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07735	Referral

05/15/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 44060	Web

05/10/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	IL 60014	Phone

04/26/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30097	Web

04/26/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect		Phone

04/22/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for		Phone

03/15/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	WA 98092	Web	Older American

02/21/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MN XXXXX	Web

01/31/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NJ 07029	Web

01/29/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	AZ 85658	Web	Servicemember

01/16/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 34951	Web

01/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	HI 96825	Web

11/28/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91335	Web

11/13/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	MD 207XX	Web

11/06/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	FL 32703	Referral

10/19/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MI 48234	Web

10/16/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NY 11590	Web

10/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MN 55125	Web

10/05/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	PA 18042	Web

08/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MI 48146	Web

08/03/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	GA 30126	Web

07/20/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MN 55125	Web

07/12/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 43977	Phone	Servicemember

06/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NJ 08051	Referral

06/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NJ 08051	Referral

06/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NJ 08051	Referral

05/22/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	MN 55350	Postal mail

05/18/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VT 05759	Referral

05/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WA 98168	Referral

05/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MA 01923	Web

05/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MA 01923	Web

04/18/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SD 57719	Web	Servicemember

04/18/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MN 55066	Web

04/06/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	PA 19135	Web

04/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IA 52404	Web

04/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IA 52404	Web

03/12/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 92111	Web

02/16/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	LA 70748	Referral

02/05/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 28304	Web

01/06/2018	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NJ 08757	Web

12/30/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NJ 08753	Web

11/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92806	Web

10/26/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	KY 42001	Referral

10/17/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 32312	Web

10/17/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 32312	Web

10/14/2017	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	OK 745XX	Web

10/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32780	Web

09/14/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	NJ 08854	Web

09/06/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77066	Web

08/31/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MI 48162	Web

08/14/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	ID 83274	Referral

08/14/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	ID 83274	Referral

08/11/2017	No	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	AL 36695	Web

07/19/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NJ 08844	Referral

06/26/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	GA 30223	Web

05/09/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	VT 05076	Referral

05/01/2017	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	CA 92868	Web

04/29/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 33322	Web	Servicemember

04/12/2017	Yes	Payday loan	Charged fees or interest I didn't expect	OK 74136	Web

04/10/2017	Yes	Payday loan	Charged fees or interest I didn't expect	FL 32225	Web

03/31/2017	Yes	Payday loan	Charged fees or interest I didn't expect	GA 30349	Web

03/26/2017	Yes	Payday loan	Charged fees or interest I didn't expect	NJ 07424	Web

03/21/2017	Yes	Other financial service Debt settlement	Fraud or scam	OK 740XX	Web

02/20/2017	Yes	Payday loan	Charged fees or interest I didn't expect	VA 23185	Web

02/16/2017	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	IL 60506	Web

01/26/2017	Yes	Payday loan	Received a loan I didn't apply for	TX 75219	Web	Servicemember

01/10/2017	Yes	Payday loan	Charged fees or interest I didn't expect	OK 73110	Referral

12/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28202	Web

12/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28202	Web

12/05/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	PR 00927	Phone	Older American

11/17/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	OR 97302	Web

11/10/2016	Yes	Payday loan	Charged fees or interest I didn't expect	IN 46219	Phone	Older American, Servicemember

10/28/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NV 89134	Web

10/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35080	Web

10/09/2016	Yes	Payday loan	Charged fees or interest I didn't expect	GA 30312	Web

09/27/2016	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	TX 76022	Web

09/01/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33579	Phone

08/30/2016	No	Consumer Loan Installment loan	Managing the loan or lease	NV 89134	Web

08/20/2016	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	TX 78245	Web	Servicemember

07/11/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	NJ 07106	Fax

06/27/2016	No	Payday loan	Charged fees or interest I didn't expect	DE 19709	Web

06/24/2016	Yes	Payday loan	Can't contact lender	PA 17057	Web

06/24/2016	Yes	Payday loan	Can't contact lender	PA 17057	Web

06/24/2016	Yes	Payday loan	Can't contact lender	PA 17057	Web

06/14/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 78260	Web

06/14/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 95134	Web

06/03/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	LA 70301	Web

05/17/2016	Yes	Payday loan	Charged fees or interest I didn't expect	PA 18517	Web

05/05/2016	No	Payday loan	Charged fees or interest I didn't expect	NJ 08105	Web

04/22/2016	Yes	Payday loan	Received a loan I didn't apply for	MI 485XX	Web

04/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33914	Web	Servicemember

04/11/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 92105	Referral

03/27/2016	No	Payday loan	Can't stop charges to bank account	OR 97401	Web

03/08/2016	Yes	Payday loan	Received a loan I didn't apply for	TX 78701	Web

02/16/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 94577	Referral

02/12/2016	Yes	Payday loan	Charged fees or interest I didn't expect	PA 17602	Web

02/03/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 93021	Web	Older American

01/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22920	Web

01/13/2016	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	IL 60435	Web

12/07/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 92342	Referral

12/03/2015	Yes	Payday loan	Charged bank acct wrong day or amt	SC 29611	Web

11/19/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	OH 45830	Web

10/31/2015	Yes	Payday loan	Received a loan I didn't apply for	CA 94070	Web

10/08/2015	Yes	Payday loan	Charged fees or interest I didn't expect	IA 50588	Web

10/08/2015	Yes	Payday loan	Charged fees or interest I didn't expect	IA 50588	Web

09/21/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MN 55404	Web	Older American

09/10/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 76034	Web

09/02/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IN 47933	Referral

08/31/2015	Yes	Consumer Loan Personal line of credit	Account terms and changes	SC 29040	Phone

08/25/2015	Yes	Consumer Loan Personal line of credit	Managing the line of credit	PR 00956	Web

08/12/2015	Yes	Payday loan	Charged fees or interest I didn't expect	GA 30034	Web

08/05/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 94533	Referral

07/08/2015	Yes	Payday loan	Charged fees or interest I didn't expect	IA 50201	Web

06/30/2015	Yes	Payday loan	Charged fees or interest I didn't expect	KY 41014	Phone

06/27/2015	Yes	Payday loan	Received a loan I didn't apply for	CA 94518	Web

06/09/2015	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	PR 00783	Phone

06/02/2015	Yes	Payday loan	Can't contact lender	IN 46254	Web

05/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	PR 00777	Phone	Servicemember

05/18/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	VA 24015	Referral

04/02/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	WA 98280	Phone

03/30/2015	Yes	Payday loan	Can't contact lender	NV 89110	Web

03/20/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	OK 73013	Web

03/06/2015	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	PA 17331	Web

03/04/2015	Yes	Payday loan	Charged bank acct wrong day or amt	GA 31763	Web

03/02/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	FL 32180	Web

02/24/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	FL 32180	Web

02/17/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NJ 08850	Web

02/17/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	SC 29687	Web

02/17/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Sued w/o proper notification of suit	GA 31602	Web

02/16/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 94132	Web

02/13/2015	Yes	Payday loan	Can't stop charges to bank account	MS 38801	Web

02/13/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	VA 20109	Web

02/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95821	Web

02/06/2015	No	Payday loan	Charged fees or interest I didn't expect	TN 37138	Web

02/04/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NC 27518	Web

01/16/2015	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	AL 36703	Web

01/16/2015	Yes	Payday loan	Applied for loan/did not receive money	ME 03904	Web

01/16/2015	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	PA 16346	Web

12/31/2014	Yes	Payday loan	Payment to acct not credited	GA 31088	Web	Servicemember

12/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PR 00723	Phone

12/11/2014	Yes	Payday loan	Charged fees or interest I didn't expect	NC 28078	Web	Older American

11/25/2014	Yes	Debt collection Payday loan	Communication tactics Called outside of 8am-9pm	CA 92329	Web

11/13/2014	Yes	Payday loan	Charged fees or interest I didn't expect	PA 18353	Web

11/11/2014	Yes	Payday loan	Charged fees or interest I didn't expect	PA 18407	Web

11/06/2014	No	Payday loan	Charged fees or interest I didn't expect	MI 48239	Web

10/16/2014	Yes	Payday loan	Charged fees or interest I didn't expect	NJ 07747	Referral

10/13/2014	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	GA 31525	Web

10/13/2014	Yes	Payday loan	Charged fees or interest I didn't expect	PA 16063	Web

10/02/2014	Yes	Payday loan	Charged fees or interest I didn't expect	IL 60620	Web

10/02/2014	Yes	Payday loan	Charged fees or interest I didn't expect	NJ 08012	Referral

09/16/2014	No	Payday loan	Charged fees or interest I didn't expect	IL 60620	Web

09/10/2014	Yes	Payday loan	Charged bank acct wrong day or amt	GA 30066	Web

09/08/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	OH 45503	Phone	Older American

09/05/2014	Yes	Payday loan	Charged fees or interest I didn't expect	IL 60620	Web

09/03/2014	Yes	Payday loan	Can't contact lender	PA 18201	Web	Servicemember

08/23/2014	Yes	Payday loan	Can't stop charges to bank account	VA 22701	Web

08/19/2014	Yes	Payday loan	Charged bank acct wrong day or amt	PA 19129	Web

08/04/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	PR 00674	Phone

07/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 38843	Web

07/28/2014	No	Payday loan	Charged bank acct wrong day or amt	GA 31620	Web

07/22/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PR 00771	Referral

07/21/2014	No	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	PA 19126	Phone

07/10/2014	No	Payday loan	Charged fees or interest I didn't expect	WA 98144	Web

06/25/2014	No	Debt collection Payday loan	Communication tactics Threatened to take legal action	VA 24263	Web

06/09/2014	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	GA 30273	Web

06/02/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	PR 00960	Phone	Older American

05/06/2014	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	PR 00795	Phone	Older American

04/17/2014	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine		Phone

04/01/2014	No	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	IL 60411	Phone

03/28/2014	Yes	Payday loan	Can't contact lender	CA 93722	Web

03/27/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NC 28144	Phone

03/21/2014	Yes	Payday loan	Charged fees or interest I didn't expect	CT 06614	Web	Servicemember

03/16/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	NY 13350	Web

03/11/2014	Yes	Payday loan	Payment to acct not credited	PA 19120	Web	Servicemember

03/04/2014	Yes	Payday loan	Can't stop charges to bank account	NC 28025	Web

02/09/2014	Yes	Payday loan	Can't stop charges to bank account	NC 27609	Web

02/06/2014	Yes	Payday loan	Charged fees or interest I didn't expect	OR 97330	Web

02/03/2014	Yes	Payday loan	Can't contact lender	FL 33801	Web

01/21/2014	Yes	Payday loan	Charged fees or interest I didn't expect	PA 17104	Web

01/17/2014	Yes	Payday loan	Charged fees or interest I didn't expect	PA 17104	Web

01/14/2014	Yes	Payday loan	Can't stop charges to bank account	GA 31021	Web

12/12/2013	No	Payday loan	Charged fees or interest I didn't expect	CA 92868	Web	Servicemember

12/12/2013	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	AZ 85050	Web

12/06/2013	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action		Phone

12/06/2013	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	IL 60532	Web

11/07/2013	Yes	Payday loan	Charged fees or interest I didn't expect	PA 19610	Web

11/07/2013	Yes	Payday loan	Charged fees or interest I didn't expect	PA 19610	Web

11/07/2013	Yes	Payday loan	Charged fees or interest I didn't expect	PA 19610	Web

10/29/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PR 00918	Web

10/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 33983	Web

09/21/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	PA 17552	Web

09/13/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	VA 24219	Web

09/06/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AL 35242	Web